vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Jon Barry and Associates, Inc.
State: WI

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding the billing and debt collection practices of XXXX XXXX XXXX ( XXXX XXXX XXXX ). 

Despite making consistent payments on my medical bill in good faith, XXXX referred my account to collections. At the time, my remaining balance under {$400.00}, and I had been making payments of {$100.00} at a time toward the balance. I am under XXXX XXXX bankruptcy and attempting to stay in good standing. 

When I first contacted XXXX billing department, the only assistance they offered was to split the balance into two large payments with payments over {$300.00} each, which was not financially realistic for me. I explained my situation and continued to make smaller, good-faith payments, yet XXXX still turned my account over to a debt collector. 

XXXX  own XXXX XXXX  contains the following statement : What if I can't pay all at once? 
If you can't pay your whole bill at once, you may be able to set up a payment plan. This lets you automatically pay a small amount each month.

This statement is inaccurate and misleading. In practice, XXXX refused to offer me a monthly payment plan with small amounts, despite their own public-facing claims. Instead, they demanded larger lump payments, rejected smaller installments, and referred my account to collections even while I was paying. 

Additionally, XXXX requires patients to use an internal-only communication system for billing issues, which does not allow for email or external correspondence. This makes it nearly impossible for patients to maintain independent records of communications and makes it harder to prove misconduct if XXXX fails to comply with laws or regulations.

T

hese practices are unfair and harmful to patients : They misrepresent payment options by advertising flexible monthly plans that are not actually honored. They penalize patients who are actively paying down their debt. They restrict accountability by limiting communication to XXXX internal system, preventing patients from retaining independent documentation. 

As a nonprofit hospital system, XXXX is required under federal law ( IRS 501 ( r ) ) to offer financial assistance and reasonable payment options before engaging in extraordinary collection actions. Sending a patient to collections while they are making regular payments appears to violate these obligations.

I respectfully request that your office investigate XXXX XXXX XXXX b

illing and debt collection practices, specifically their refusal to accept reasonable payment arrangements, their misleading public statements, and their restrictive communication practices. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: NC

Complaint narrative:
Please see supporting documents in reference to the equifax data breach

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 2025-08-21 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:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-21 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: CA

Complaint narrative:
PLEASE BLOCKED AND REMOVED. 
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

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 2025-08-21 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: MD

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am filing a complaint against my loan servicer, XXXX, for inaccurately reporting multiple late payments on my credit report. 

I was repeatedly told by loan officers at XXXX that my accounts would be paused, placed in forbearance, or temporarily suspended. Based on their instructions, I believed no payments were due during these periods. However, they failed to process the pause correctly and never notified me by email, text, or phone that the loans had become delinquent. 

As a result, I was unaware of any issues until I reviewed my credit report and saw the late payments listed. I have attempted to dispute these inaccuracies directly with the credit bureaus and with XXXX, but the late payments remain, despite the fact that they are the result of internal error and poor communication by the loan servicer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
MY names XXXX XXXX phone is XXXX I have a defaulted title loan with y'all I can't pay and won't be able to pay because of XXXX no need to call cause I can't talk my voice is gone due t XXXX you can email or text I need you to come get the truck immediately I ca n't drive and its blew up anyway I can't even junk it because y'all have title come get it asap I've informed my local sheriffs office that it needs to be gone I'm moving and it will be abandoned here i have no way to move it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am writing in response to your recent communication regarding my disputes submitted through the CFPB Complaint Portal. Your handling of my disputes has been INACCURATE, MISLEADING, AND UNACCEPTABLE, and I demand immediate correction. 

XXXX XXXX Account : You claim this account belongs to me and has been verified. This is false. The account in question is solely a XXXX ACCOUNT and has NO ASSOCIATION WITH XXXX. Your claim of verification is factually incorrect and constitutes a violation of the FCRA, as it misrepresents my credit history. 

XXXX XXXX XXXX : You have failed to conduct a proper investigation. This is a COLLECTION ACCOUNT THAT IS NOT MINE. Furthermore, it appears to have been ILLEGALLY RE-AGED, which is also a violation of FCRA and potentially the FDCPA. I have PROOF IN WRITING FROM XXXX XXXX XXXX stating this is NOT MY DEBT. I am ENCLOSING THIS DOCUMENTATION WITH MY CFPB SUBMISSION. I demand that this account be REMOVED IN ITS ENTIRETY from my credit file IMMEDIATELY. 

XXXX XXXX XXXX : Your statement that this account is not currently reporting is irrelevant and misleading, as I NEVER DISPUTED THIS ACCOUNT. Do not include irrelevant information in your reports to cover up failures in properly investigating legitimate disputes.

Under the FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681i ), you are required to conduct a REASONABLE INVESTIGATION of disputed items and CORRECT OR DELETE INFORMATION THAT IS INACCURATE OR UNVERIFIABLE. Your current handling of my file is in violation of this law.

I demand the following actions : IMMEDIATE REMOVAL OF THE XXXX XXXX XXXX ACCOUNT from my credit file. 

CORRECTION OF THE XXXX  ACCOUNT MISREPORTING, accurately reflecting that this account is solely XXXX. 

WRITTEN CONFIRMATION OF THESE CORRECTIONS within 30 days of receipt of this letter.

Failure to comply will leave me with no choice but to pursue ALL AVAILABLE LEGAL REMEDIES, including filing complaints with the CFPB, FTC, and potential civil action for damages under the FCRA.

This letter serves as a FORMAL DEMAND for the IMMEDIATE CORRECTION of my credit report. I expect prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: AMERICAN EXPRESS COMPANY

Complaint narrative:
Issue : Misrepresentation and lack of disclosure in Membership Rewards international points transfer.

Details of Complaint : I held approximately XXXX Membership Rewards points with American Express XXXX. 

In XX/XX/year>, I contacted American Express to transfer my points to my XXXX American Express account in preparation for closing my US account. 

American Express representatives, both via telephone and chat, assured me that all points would transfer. No disclosure was made that fewer points would be credited to the XXXX account or that an exchange ratio or deduction would apply. This is misleading, and breach of the contract. If a exchange rate applies, this should have been illustrated to me at the point of the transfer / contract.

Upon completion of the transfer, the number of points credited to my XXXX account was lower than the number deducted from my US account. I received XXXX points, which is XXXX less than I had I immediately raised this discrepancy and requested a reversal. I was told that reversal was possible, and I have a recorded call confirming this. However, this request was subsequently rejected by American Express.

At no stage prior to authorising the transfer was I made aware of any reduction or conditions that would result in a loss of points.

Why this constitutes unfair practice : American Express failed to provide clear and transparent disclosure of the terms governing international points transfers.

I relied on explicit representations by American Express staff that all points would transfer and that reversal was available if necessary.

The discrepancy only became apparent after the transfer was executed, creating consumer harm with no reasonable recourse.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Received an email from my employer saying that theyd received a wage garnishment instruction from a company called Transworld for a debt that I owe. 

TSI Physical Address TRANSWORLD SYSTEMS INC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, PA XXXX Allegedly I owe {$9900.00}, but checking my status with the debtor is {$8300.00}. 

Either way, Id never received any kind of notification that I owed anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I believe a late payment has been incorrectly reported on my account. Please review this urgently in light of my timely payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I field the original complaint in XX/XX/year>. The company ignored my complaint. I requested a copy of the 605b investigation. The company has not complied.

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 2025-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Closed loan with XXXX  mortage on XX/XX/year>. On XXXX XXXX, I called XXXX for a payoff and was told the loan servicing was now with Mr Cooper. I contacted Mr Cooper and was told the loan was not yet boarded and would have to wait 3-5 days for payoff and would have to pay {$25.00} for a letter to expedite the payoff. I was a little upset knowing although ready to pay in full, Mr Cooper would be getting another 5 days interest, on a loan that could be paid that day. I mentioned the CFPB and miraculously received an email to set my account with Mr Cooper. Spoke with Mr Cooper rep who called me and again said I'd have to wait to payoff. What aggravated me was the balance of loan was on the Cooper portal with instructions to calculate daily interest, and calculating took less than 2 minutes, yet I was still going to have to pay the float of 5 days plus interest. I was told by the rep the pay date could be the XXXX of XXXX which would be criminal when ready to pay in full that moment, considering the web sight was capable of accepting the payment from my bank XXXX, to their bank XXXX.I again mentioned contacting the CFPB, and told Cooper I didn't want to pay, more than 1 day of interest from the date I made the request. Miraculously, I was called and Cooper agreed and had that payoff amount good thru XX/XX/XXXX with only the 1 days interest. Something isn't right allowing these companies to float a borrowers interest when they are capable of taking the payoff immediately thru their on line portal. It is criminal if this is allowed. Theis practice has got to stop. Consumers are being ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: PA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MN

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

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 2025-08-21 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to formally dispute inaccurate information that is currently being reported on my credit file. According to my most recent credit report. Under the Fair Credit Reporting Act ( FCRA ), you are required to report only accurate and verifiable information. I am requesting that you investigate this matter, contact the furnisher of this information, and correct the late payment entry from my credit file immediately.

Please provide me with written confirmation of your investigation results and the actions taken. If the creditor can not substantiate the reported late payment with verifiable evidence.

Company response to consumer: Closed with non-monetary relief