vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-07 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: NC

Complaint narrative:
I've already sent a letter to the Bureaus about the mistakes and unknown entries on my credit report, but I still haven't heard back after 30 days. It feels like I'm being ignored, and my disputes aren't being taken seriously. Per Section 611 ( a ), if these issues aren't looked into within 30 days, they should be removed from my report. Since it's been over that time, I expect these accounts to be updated right away. If that doesn't happen, I might have to consider legal action because this whole situation has been really stressful for me. Plus, my info was impacted by the Equifax, Experian, and Transunion data breach, which makes me worry about the safety of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I, XXXX XXXX, Last XXXX of XXXX XXXX, recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts ; they are hurting my ability to obtain credit.

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 2025-12-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Sent card you never applied for
Company: Sezzle Inc.
State: NJ

Complaint narrative:
My identity was stolen to open this account and I have contacted the company several times to remove from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: IA

Complaint narrative:
XXXX has said that their XXXX  will not effect credit currently. They say its only visible to us not lenders. Yet they are! They dont say that it will effect age of credit! Im showing screenshots that show its calculated in my age of credit causing my score to decrease! TRANSUNION DOES NOTHING TO CORRECT IT. Especially after a 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 non-monetary relief
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a formal demand for the complete disclosure of the method of verification used during your prior investigation ( s ) of the disputed items on my credit report. Under FCRA Section 611 ( a ) ( 7 ) [ 15 U.S. Code 1681i ( a ) ( 7 ) ], you are legally required to provide a description of the procedures used to determine the accuracy and completeness of the disputed information, including the name, address, and contact information of the party who verified the data. The fact that these inaccurate items are still being reported leads me to believe that no actual verification was conducted, and that you may have relied on automated or incomplete responses from the furnisher, which is a violation of your duty to perform a reasonable investigation under FCRA Section 611 ( a ).

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 2025-12-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: UT

Complaint narrative:
The company that bought my credit card debt is portfolio recovery and they call 10 to 20 times a day using different phone numbers every single time they call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: LoanCare, LLC
State: PR

Complaint narrative:
My loan is serviced by LoanCare , LLC ( Loan # [ pon aqu tu nmero de prstamo ] ). 
This is a XXXX home loan.On XX/XX/year>, LoanCare sent me a written permanent loan modification offer with a new monthly payment of approximately {$2900.00} ( see attached offer letter ). 
In good faith, I immediately accepted the offer and began paying {$3000.00} every month starting XX/XX/year> an amount higher than the modified payment offered. I have made six consecutive {$3000.00} payments on time ( XXXX through XX/XX/year> ), for a total of {$18000.00} paid under the modification ( see attached payment receipts and bank statements ) .Despite my full compliance, on XX/XX/year>, LoanCare sent a letter stating the modification was denied and that my payments were being treated only as a temporary forbearance instead of a permanent modification. They never notified me in writing that my payments were not being applied to a permanent modification, and I never requested or agreed to a forbearance plan.On XX/XX/year>, when I called to ask why I had not received the final modification documents, a LoanCare representative told me the modification had been denied by the VA and that foreclosure proceedings were being resumed. This was the first time anyone told me the modification required separate VA approval this was never disclosed when the offer was made in XXXX is violating federal mortgage servicing rules ( Regulation X / RESPA, 12 CFR 1024.41 ) in the following ways : 1. Failing to properly evaluate and honor a loan modification after I accepted their written offer and performed exactly as required. 
2. Misapplying my payments and unilaterally converting an accepted modification into a temporary forbearance without notice or my consent. 
XXXX. Engaging in dual-tracking : advancing foreclosure while I was current on the modification payments they themselves proposed. 
XXXX. Failing to follow VA servicing guidelines for VA-guaranteed loans. 
Because of these violations, LoanCare is now trying to foreclose on my family home in XXXX, XXXX XXXX ( Case XXXX, XXXX XXXX XXXX ), even though I have paid everything they asked for under their own modification offer.What I want the company to do : Honor the permanent modification offered on XX/XX/year>. 
Correctly apply my six {$3000.00} payments to the modified loan balance. 
Immediately stop all foreclosure activity. 
Provide me with the final executed modification agreement and updated loan statements reflecting the correct balance. 

Thank you for your help.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: MD

Complaint narrative:
I am disputing the National Credit Systems account. Account number : XXXX National Credit Systems has not provided the original creditor documentation and written validation pertaining to this collection account. I have requested written validation ( signature, name and dated contract ) and have not received any form of validation. It has been 6 months. Reporting without validation violates my rights FCRA 623 ( a ) ( 3 ). Per 611 ( a ), this account must be removed. They are also violating my consumer rights under the FCRA 15 U.S.C. 1681s-2 ( a ) this company is KNOWINGLY reporting inaccurate information. I DID NOT OPEN THIS ACCOUNT OR ANY ACCOUNT WITH THIS COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: CA

Complaint narrative:
I am requesting the immediate deletion of an inaccurately reported debt allegedly furnished by XXXX. XXXX regarding XXXX XXXX. This account contains multiple factual errors, has not been validated, and has now been flagged for potential fraud. 
Summary of Issues : The bureaus report an impossible Date Opened of XX/XX/year>, which is a future date and violates FCRA 607 ( b ). 
The account is reported under different creditor names across bureaus ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ), making the information unverifiable and misleading. 
The account simultaneously shows conflicting statuses ( Open, Collection, Charge-Off ), which violates accuracy requirements under the FCRA. 
Required fields such as past due amount, payment terms, and account responsibility are missing or inconsistently reported. 
XXXX. XXXX has not provided proper validation under FDCPA 809 ( b ), including proof of ownership, original signed agreement, or any documentation linking me to the alleged debt. 
The company has already informed the CFPB that the account may involve potential fraud, which means the data can not be verified and must 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 2025-12-07 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: CA

Complaint narrative:
I am requesting the immediate deletion of an inaccurately reported debt allegedly furnished by XXXX. XXXX regarding XXXX XXXX. This account contains multiple factual errors, has not been validated, and has now been flagged for potential fraud. 
Summary of Issues : The bureaus report an impossible Date Opened of XX/XX/year>, which is a future date and violates FCRA 607 ( b ). 
The account is reported under different creditor names across bureaus ( XXXX XXXX XXXX XXXX XXXX and XXXX XXXX ), making the information unverifiable and misleading. 
The account simultaneously shows conflicting statuses ( Open, Collection, Charge-Off ), which violates accuracy requirements under the FCRA. 
Required fields such as past due amount, payment terms, and account responsibility are missing or inconsistently reported. 
XXXX. XXXX has not provided proper validation under FDCPA 809 ( b ), including proof of ownership, original signed agreement, or any documentation linking me to the alleged debt. 
The company has already informed the CFPB that the account may involve potential fraud, which means the data can not be verified and must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedate the report by more than seven years 15 U.S.C. 16815-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

Delete the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 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: FL

Complaint narrative:
On Friday XX/XX/XXXX, I received a virtual American Express gift card from my manager and his wife as a XXXX gift in the amount of {$2000.00}. The card lists an expiration date of XX/XX/year>. Multiple merchants decline the card because they do not accept payment methods with expiration dates beyond XXXX. As a result, the card has been rejected repeatedly and I am unable to access or use the funds. 

On Sunday XX/XX/XXXX, I was also informed that, because this is a virtual gift card, I am unable to request a physical card for in-store use, which further limits my ability to utilize the balance. I contacted American Express for assistance and, after being transferred several times and spending over an hour on the phone before the call disconnected, the only guidance I received was to try a different merchant. 

At this point, I have a {$2000.00} American Express gift card that can not be used in any meaningful way. It appears this has been an ongoing issue for years, and I am requesting a resolution that will allow me to access the funds provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: Albert Corporation
State: NY

Complaint narrative:
Albert continued charging me monthly despite the fact that I attempted to cancel my membership. Their system allowed a {$6.00} withdrawal that caused my account to go negative. Because of this, the app would not let me close my account unless I repaid the {$6.00}, even though the negative balance was caused by their error. 

I contacted support and they stated they can not do anything, and refused to remove the negative balance or refund the charges. I have been charged for months without the ability to cancel. This is improper and unfair billing. I am requesting the CFPBs assistance in : 1. Removing the negative balance 2. Refunding the improper monthly charges 3. Closing my Albert account immediately Albert has been unhelpful and continues to block me from ending the service I do not want.

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 2025-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this complaint regarding Regions Banks handling of a merchant charge from XXXX XXXX XXXX ( XXXX ) and the extended hold they placed on my XXXX insurance check. 

XXXX. XXXX XXXX XXXX XXXX XXXX verbally disclosed that their incidental deposit was {$100.00}. Instead, they charged me a full-night rate as a deposit, which was not disclosed, not authorized, and not what I agreed to at check-in. 

I did not dispute the charge with Regions. 
Instead, I simply contacted the bank because I saw the transaction pending for a higher amount than expected and asked if early release was possible. 

Regions responded by unilaterally treating my inquiry as if it were a dispute I was initiating and then informed me the merchants charge was correct, completely ignoring the actual issue : The deposit amount I was verbally told was {$100.00}, The hotel charged significantly more than the disclosed amount, And I never authorized a full-night rate to be used as a deposit. 

2. XXXX XXXX Check Hold ( XX/XX/year> ) At the same time, Regions placed a hold on my XXXX auto insurance check until XX/XX/XXXX, despite this being a well-known, verifiable insurance issuer and despite me having an established account history. This hold is creating unnecessary financial hardship because these are funds sent to me after my vehicle was totaled.

Why Im requesting CFPB assistance : I am asking for help because : I did not file a dispute ; I only asked about an early release.

Regions treated my inquiry as a dispute without my consent and closed it without addressing the actual unauthorized overcharge from the merchant. 
The hotel charged an amount not disclosed and not authorized. 
Regions placed a lengthy hold on a legitimate insurance check, which I need access to. 
I would like Regions to correct the handling of the XXXX XXXX charge and review/release the XXXX check funds sooner. 

I attempted to resolve this with both the merchant and Regions directly, and the matter is still unresolved. 

Requested Resolution : A proper review of the XXXX XXXX overcharge and refund of the unauthorized portion. 
Immediate or expedited release of my XXXX insurance funds. 
Assurance that Regions will not misclassify my inquiries as disputes in the future

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-07 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 filing this complaint because my credit report contains inaccurate information that is harming my credit and violating my rights under the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX Charge Off Account : XXXX Date Opened : XX/XX/2020 Balance : {$0.00} This account is reported as a charge-off, but I have no knowledge of this account and was never provided validation, documents, or proof that it belongs to me. Reporting an unverifiable charge-off is a violation of FCRA accuracy standards. 
I am requesting the CFPB to investigate and ensure the credit bureaus and the furnisher correct or remove these inaccurate items. These errors are affecting my ability to obtain credit and causing financial harm. 
Requested Resolution : Delete the wrong address and remove the inaccurate XXXX XXXX charge-off from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of identity. Death and I have two accounts reporting negatively on my credit report. I have no acknowledge of or ever had or knew about. Please remove from my recorder report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity. Death and I have two accounts reporting negatively on my credit report. I have no acknowledge of or ever had or knew about. Please remove from my recorder report immediately.

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 2025-12-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Back in XXXX of 2025, I called Pentagon Federal Credit Union to try to settle both of my open credit accounts. While there would not settle one of the accounts, they accepted an offer of XXXX to settle my XXXX  card. I sent in the money, and in XXXX, they sent me a letter verifying the agreement. 

Now they are reporting the account as over XXXX  days late, and they have been harassing me multiple times with phone calls. Every time they call, their excuse is that the department I need to speak to is closed. I have tried emailing, and I have not gotten any 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 non-monetary relief
Consumer complaint received 2025-12-07 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: TX

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the XXXX  and TransUnion data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX # XXXX - Date opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : 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