vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
The issue began in XX/XX/year> when I attempted to pay a balance of {$1000.00} to Discover. Due to a system error, the same payment was processed twice, and two identical charges were withdrawn from my bank account.

Since I only owed one payment, I disputed the duplicate {$1000.00} through my bank XXXX XXXX  XXXX XXXX ), and it was refunded to me on XX/XX/XXXX. However, Discover did not correct the duplicate internally. Instead, they treated the refunded amount as unpaid and rolled it into my XX/XX/year> statement. 

This caused my XXXX balance to increase to {$1400.00}, which included : The uncorrected {$1000.00} ( previous balance ) {$440.00} in new purchases I paid the full {$1400.00} on XX/XX/XXXX, and the amount was successfully withdrawn from my bank. However, because I had already filed a dispute through my bank for the duplicate portion, the entire {$1400.00} was refunded to me on XXXX XXXX the valid {$440.00}, which I do intend to pay. 

Important note : I tried to dispute only the incorrect portion ( {$1000.00} ), but XXXX  XXXX XXXX informed me that they can only dispute full transaction amounts, not partial ones. So I had no choice but to dispute the entire {$1400.00}. 
I never intended to avoid paying the valid {$440.00}, and I am still willing to pay that amount. 

In the XXXX statement, Discover added {$440.00} back to my balance as a returned payment, treating the refunded {$1400.00} as if it had never been paid. But this is incorrect. The original payment was successful and later refunded only because of the earlier dispute. 

As a result, my account reflects an inflated and inaccurate balancecombining already-refunded amounts with misclassified charges. Despite providing supporting records and repeated explanations, Discover insists that their accounting is correct. 

- Transaction & Balance Summary Total actual usage ( XXXX XXXX  ) : {$1500.00} ( {$440.00} in purchases + {$30.00} fee in XXXX, {$970.00} in XXXX, {$100.00} in XXXX ) Total paid to Discover : {$2000.00} ( XXXX : {$1000.00} + XXXX : {$70.00} + XXXX : {$970.00} ) Total refunded to me via dispute : {$1400.00} ( including {$440.00} of valid purchases ) Total Discover still owes me : - {$610.00} : refund check not received - {$440.00} : incorrect returned payment added to XXXX Total refund due : {$1000.00} Remaining balance I truly owe : {$440.00} ( valid usage mistakenly included in the refund ) I am requesting that : The {$440.00} balance inflation be removed The {$610.00} refund check be reissued or credited My account be adjusted to reflect accurate, valid charges only Thank you for reviewing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I'm contacting you regarding my stolen identity and would appreciate your assistance. Could you kindly remove the specific item and ensure that all other incorrect information is updated promptly? Your quick response would mean a lot to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
On XX/XX/year>, I completed a settlement agreement with Portfolio Recovery Associates ( PRA ), LLC for Account # XXXX, originally with XXXX XXXX XXXX  ( USA ), XXXX. On XX/XX/year>, PRA issued a letter confirming receipt of the final payment and stating that within approximately 30 days, they would request deletion of their tradeline from the credit bureaus. 

It is now more than 30 days later, and PRA has not followed through on this written promise. The tradeline still appears on my credit reports, despite full compliance on my part. This is a direct violation of their agreement and is negatively impacting my credit. 

I am requesting that the CFPB investigate this matter and that PRA immediately request deletion of this tradeline from all credit bureaus, as they originally stated they would do in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in XXXX XXXX XXXX. I suspect these inquiries were made in error and am requesting their removal.

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 2025-04-17 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:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
I am writing to formally request a reinvestigation regarding inaccurate negative information that continues to appear on my credit report, which has not been adequately addressed in previous investigations by Equifax, Experian, and TransUnion. Despite my efforts to dispute these inaccuracies, the items remain unresolved, and I believe they have not undergone a thorough review as required.

The presence of these inaccuracies has significantly impacted my credit score, limiting my access to credit and creating unnecessary financial stress. I am simply seeking an accurate representation of my credit profile, as I believe the errors are unjustly affecting 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 non-monetary relief
Consumer complaint received 2025-04-17 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
I have a collection on my account from XX/XX/XXXX, and the collection shouldnt be on their because I never stayed at the apartment. Additionally, the money they are saying I owe, I paid that exact amount to the apartment in XX/XX/XXXX. It should have never went to collections. I also have proof of the apartments saying they were refunding me {$200.00}, so if I owe them {$260.00} why would they try to refund me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with XXXX C.F.R. XXXX ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Equifaxs repeated failure to properly address disputes has become a pattern, and

it's one that has already drawn federal scrutiny and legal consequences. I refuse to let my credit file suffer due to continued noncompliance and careless reporting practices. According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days and delete anything that can not be 100 % verified using original, reliable documentation. These reporting errors are harming my financial future, and I will escalate this matter if corrective action is not taken immediately. 

The following dispute items must be reexamined and removed if proper documentation can not be produced : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$990.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-17 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

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 2025-04-17 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: AZ

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$620.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$1200.00} INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-04-17 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: OH

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: KS

Complaint narrative:
Ive requested that they update the system on their end to show the agreements but they said they will not update it.

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 2025-04-17 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: MO

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: MID FLORIDA FINANCING LLC
State: FL

Complaint narrative:
The company reported that I had a charge off amount in the amount of {$5700.00} for a car that I had with them that was stolen and filed through insurance. They then later updated the account to state that I had a remaining balance of {$780.00}. They reported the account as owing over {$5700.00} after the insurance was supposed to clear the balance but also reported insurance balance on XX/XX/year> without stating that it was paid by insurance. The reporting is currently showing profit loss write off but still showing on my credit report as a charge off when this debt has been charged as income to the IRS. I am disputing the facts in the report as well as how it is showing on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Starmark Financial LLC
State: TX

Complaint narrative:
Starmark financial has assumed debt from creditor in whom I never authorized and added a collection account to my credit report with no notification. Though the account was closed, they are still adding interest. The account shows it is connected to XXXX XXXX in whom I never applied for any loan. My social security number and bank account was comprimised in the past and the bank account was closed due to it. But I was never sent an original contract to see my rights, nor notified of the collection being entered against me. There must be laws in place to protect Veteran 's like myself whom become completely XXXX and deal with issues as such. This information should have been provided, instead of requests ignored. Starmark instead has bought the debt and continues to harass me to collect the debt when I was never given contract info, contacted in any way or any contact by the original creditor for this exuberant amount by the original company listed.

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 2025-04-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Bank of America was offering a special balanced transfer promotion. I had {$13000.00} available and choose to pay off my three credit cards. I requested the online balance transfers for all three transactions on XX/XX/XXXX and XXXX of the XXXX went through on XX/XX/XXXX. The transfer to XXXX for {$6700.00} did not go through at that time or over the next XXXX business days. Since the transaction wouldn't go through I wrote a balance transfer check for the new amount of XXXX around XX/XX/XXXX well after the time that Bank of America said it would take for the XXXX transfer to go through. Then on XX/XX/XXXX which was 19 days after the XXXX Bank of America suddenly send the payment of {$6700.00} that they previously couldn't send which created a double payoff to XXXX and then they charged me a balance transfer fee of {$270.00} and I've called and talked to multiple people about getting this corrected at Bank of America and XXXX. 

XXXX sent the payment of {$6700.00} that Bank of America sent in error back to me. I received the payment on XX/XX/XXXX and went directly to the Bank of America in XXXX XXXX at XXXX and at first they told me they were closing soon and I couldn't make the payment on my credit card. Then eventually they took my payment and I was still out of their off at XXXX before they closed. Then I call the balance transfer department to ask when the {$270.00} would be waived and they said they can not do that. 

What I'm asking for : Credit the {$270.00} from XX/XX/XXXX back to my account. 

Why I think this should happen : On the back of their promo mailer ( mailer number XXXX | XXXX ) it states that " Online request transfer in XXXX business days ''. So it's false advertising when XXXX business days becomes 19 days causing me to go over my credit card limit and payoff my other Credit card twice, XXXX time in error.

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 2025-04-17 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: PA

Complaint narrative:
I sent it documents showing all inaccurate information looking to receive a pleasing remedy. My financial hardship has came about as a result of this matter. Please assure me of the responsibilties you hold as a Consumer reporting agency to show the utmost respect and hospitality.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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