vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-22 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
I enrolled in a debt-relief program with JG Wentworth in early 2025. Over the course of the program, I deposited {$10000.00} into my dedicated account managed through XXXX XXXX. 

Of that total, only {$4000.00} was disbursed to creditors ( XXXX XXXX and XXXX ). The remaining {$5900.00} was retained by JG Wentworth as fees. 

I cancelled my program on XXXX XXXX XXXX and received written confirmation that my account would close within XXXX business days. However, JG Wentworth withdrew an additional {$330.00} on XXXX XXXX XXXX after cancellation. I was initially told that amount would be refunded, but it was later described as a settlement fee. 

The company later sent spreadsheets listing deposits, fees, and payments, but they do not reconcile the full account balance or explain why over 60 percent of my total deposits were kept as fees. No settlement services were completed after cancellation. 

I have repeatedly requested an itemized accounting and documentation of earned vs. unearned fees but have only received partial spreadsheets and references to system optimized fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NV

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 XXXXXXXX FRAUDULENT INQUIRIES : XXXX XXXXXXXX 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 2025-10-22 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: DE

Complaint narrative:
Highest Harm : Mortgage and Major Charge-Off Accounts I am Disputing a Negative Credit Reporting & Request for CFPB Intervention XXXX XXXX XXXX XXXX Mortgage Account Number : XXXX Dear CFPB, I am submitting this complaint regarding severe credit harm caused by inaccurate and/or unverified negative items reported by XXXX  on my credit report. 
The account reflects charge-offs, collections, and/or settlements which continue to impact my score and access to credit. 
I have formally disputed the account with both the creditor and credit bureaus, requesting validation ( original signed contract, complete itemized statements, chain of custody ), and referencing recent data breach and litigation ( e.g., XXXX XXXX, XXXX XXXX class actions ). 
Despite settlement agreements or dispute notifications, these marks remain and have resulted in financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: American Coast Mortgage Corporation
State: DE

Complaint narrative:
Highest Harm : Mortgage and Major Charge-Off Accounts I am Disputing a Negative Credit Reporting & Request for CFPB Intervention XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Dear CFPB, I am submitting this complaint regarding severe credit harm caused by inaccurate and/or unverified negative items reported by XXXX  on my credit report. 
The account reflects charge-offs, collections, and/or settlements which continue to impact my score and access to credit. 
I have formally disputed the account with both the creditor and credit bureaus, requesting validation ( original signed contract, complete itemized statements, chain of custody ), and referencing recent data breach and litigation ( e.g., XXXX XXXX, XXXX XXXX class actions ). 
Despite settlement agreements or dispute notifications, these marks remain and have resulted in financial hardship.

Company response to consumer: Untimely response
Consumer complaint received 2025-10-22 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: TX

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-10-22 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: NV

Complaint narrative:
I am formally disputing several inaccuracies currently appearing on my credit report, specifically unauthorized and inaccurate accounts and credit inquiries that I did not initiate or approve. These entries represent a violation of the Fair Credit Reporting Act, particularly 15 U.S. Code 1681i, which requires a proper reinvestigation of disputed items, and 1681e ( b ), which mandates that information reported must be accurate to the maximum extent possible. In addition, I am disputing a potentially misreported late payment. According to 15 U.S.C. 1666b, creditors must allow at least 21 days between the statement date and the payment due date before classifying a payment as late. Based on my records, this standard may not have been met, or the payment was submitted on time and inaccurately reported as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have noticed collection accounts on my credit report that I believe include inaccurate details. Under my rights outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that reflects only accurate information. I am formally requesting that these items be investigated, and if they can not be confirmed as correct, they must be deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: NY

Complaint narrative:
Regarding complaint number XXXX & XXXX This is a demand for immediate compliance under 15 U.S.C. 1681i. The companys delay violates the 30-day statutory deadline. Please escalate to the Enforcement Division.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXXDate XXXX XXXX Subject : Dispute of Duplicate Collection Accounts XXXX XXXXAccount Numbers : XXXX and XXXXUnder FCRA 605B and 611 I am writing to formally dispute inaccurate and duplicative information on my credit report. My consumer report currently lists two collection accounts from XXXX COLLECT XXXX which I believe to be duplicate entries for the same debt. The account numbers are : XXXX XXXX According to the Fair Credit Reporting Act ( FCRA ), specifically : 605B ( 15 U.S.C. 1681c-2 ) related to blocking information resulting from identity theft ( if applicable ), and 611 ( 15 U.S.C. 1681i ) regarding reinvestigation of disputed information, I am requesting that you : Investigate both entries for accuracy and legitimacy. 
Remove any duplicate or inaccurate reporting immediately. 
Reporting the same debt more than once under different account numbers can unfairly impact my credit score and misrepresent my credit history. 
Please conduct a thorough reinvestigation and provide me with a written confirmation of the results. If you determine that the entries are indeed duplicative, I request that you delete the duplicate immediately in compliance with federal law. 
Attached are copies of my identification and supporting documentation to assist in your investigation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: NV

Complaint narrative:
To whom this may concern, In XXXX I was receiving dental treatment from a company called XXXX XXXX XXXX, they are basically virtual dentists who offered XXXX braces to patients. 

I began my treatment in XX/XX/year> and they filed for XXXX XXXX XXXX on XX/XX/year>. This left me in the middle of my treatment which meant I would no longer be receiving any more braces- this resulted in ruining my teeth and smile. I have since had to spend another {$3500.00} for Invisalign treatment from a dental practice to correct their botched treatment. 

I paid XXXX XXXX XXXX on time every month until they stopped my treatment by entering into XXXX XXXX XXXX I seized all payments going to them as I did not see it fit I keep paying money for treatment they would now not be able to correct/complete. 

Since then I have been bombarded with phone calls and emails from their collections company Tek Collect. This has now impacted my credit negatively. Both XXXX XXXX ( Tek Collect ) and XXXX XXXX XXXX were taking money from my account at the same time. I will add document showing this. 

This has been really distressing for me as I have always had perfect credit and I have never missed a payment for any debt. 

XXXX XXXX XXXX have two active Class action lawsuits against them for illegal practices from XXXX XXXX totaling {$43.00} XXXX dollars. XXXX XXXX XXXX are also required to pay nearly {$5.00} XXXX dollars in refunds to customers who were improperly charged after the company shut down. 

I think its a huge injustice myself along with thousands of other XXXX XXXX XXXX customers will have our credit impacted and our money never refunded for XXXX XXXX XXXXXXXX this company will not be able to complete.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
On XXXX XXXX XXXX, I deposited 2 checks from XXXX XXXX XXXX totalling over XXXX. I was awarded those funds from settlement agreement between XXXX XXXX and myself. Truist bank placed a hold on the funds as to which I was ok with. They said I would gain access to those funds on the XXXX of XXXX. On Saturday XXXX XXXX XXXX, I tried logging into my online banking and could not gain access to it. I called the Truist help line and was told that my account was closed and that Truist terminated our relationship. On Monday XXXX XXXX XXXX I went to 2 different banks trying to figure out why my account had closed. I spoke with a Bank Manager and was told that I had deposited fraudulent checks and that the money was being sent to a recover account. Come to find out that the checks were most definitely not fraudulent Truist just doesn't believe that the funds are mine. I have gracefully waited for my funds and now is being told that I have to provide proof that the funds are actually mine.

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 2025-10-22 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX Account # : XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data. 

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I would like to request a few things regarding this matter : 1. A copy of the original contract with my signature for this debt. 2. A full payment history from the ORIGINAL CREDITOR. 3. The name and address of the original creditor. 4. Proof that they now own or have been assigned the debt to collect. If my request can not be met pleases XXXX this item off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action 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 2025-10-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My credit report shows late payment entries that I believe are incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, all information reported must be accurate, complete, and capable of verification. I am requesting a verification of these entries, and if they can not be substantiated, I ask that they be corrected or deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-22 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Solar Mosaic LLC
State: FL

Complaint narrative:
I financed my solar system through Mosaic in XX/XX/year> as part of a contract with XXXX XXXX Florida, XXXX. 
At the time of signing, I was clearly informed that if I ever sold my home, the solar loan could be transferred to the new homeowner, as long as they met credit qualifications. 

Now that I am selling my property, I contacted the company to initiate the transfer, but I was informed that Mosaic went out of business and that my loan was taken over by another company. 
This new company is stating that loan transfers are no longer allowed under any circumstances, which directly contradicts what was promised when I signed the agreement. 

This change has created a serious financial problem because I can not complete the sale of my house unless the solar loan can be transferred or resolved fairly. 
I believe I am being held to new terms that were never disclosed or agreed to when the loan was originated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I am disputing the reporting of this account on my credit report. This account is listed as " Open '' and has no account type specified. The comments on the account are vague or inconsistent ( e.g., " place for collections, '' " customer disputed '' ) and do not provide clear information.

I note that other accounts on my credit report appear to have the same reporting issues, but this complaint addresses this specific account.

I request that the company and credit bureau investigate this account and correct the reporting to accurately reflect its status and type.

I have attached a screenshot of this account to illustrate the inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: NY

Complaint narrative:
I had a collection from XXXX that was not mine that was disputed on XX/XX/XXXX and resolved as approved in XX/XX/year>. A company called unify contacted me first in XXXX I provided thorough information on this debt not being mine. They forwarded it back to Jefferson collection back in XXXX and told me void this letter. 8 month later Jefferson collection agency is reaching out for this debt that is removed, resolved and not mine!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Company Name : Citibank , N.A . ( Citibank XXXX XXXX ) Product : Credit card or prepaid card Sub-product : Store credit card Issue : Problem with a credit reporting company 's investigation into an existing problem Sub-issue : Investigation took more than 30 days WHAT HAPPENED : I am filing this complaint regarding Citibank 's failure to properly verify account information being reported to credit bureaus and their contradiction in claiming they can not locate my account while continuing to report it. 

DETAILED DESCRIPTION : I have a closed credit card account with XXXX XXXX XXXX XXXX that was issued by Citibank XXXX XXXX ( Account # XXXX ). This account appears on my credit reports with late payment history. 

I sent a goodwill letter to Citibank 's address ( XXXX XXXX XXXX, XXXX XXXX, SD XXXX ) requesting verification and adjustment of the account information. 

On XX/XX/XXXX, I received a response from Citibank 's Cardmember Services - Credit Management Department stating : " We received your credit reporting dispute. After reviewing the documentation provided, we do not have sufficient information to investigate the dispute because we can not : Determine the exact information on your credit report which you are disputing. 
Locate your account. '' CONTRADICTION AND ISSUE : Despite Citibank claiming they can not locate my account, this same account continues to be reported to the credit bureaus. My XXXX  credit report ( updated as recently as XX/XX/XXXX ) shows the account as " XXXX XXXX & XXXX '' with the contact address matching Citibank 's XXXX XXXX location. 

This creates several violations : 1. Citibank is reporting information they claim they can not verify or locate 2. This violates the Fair Credit Reporting Act 's requirement that furnishers maintain reasonable procedures to ensure accuracy 3. When a consumer disputes information, furnishers must investigate - Citibank refused to investigate by claiming they can not locate the account WHAT I WANT : 1. Citibank to either properly investigate and verify the account information OR cease reporting it to credit bureaus 2. If Citibank truly can not locate the account, they must request deletion from all credit bureaus 3. Written confirmation from Citibank regarding the resolution 4. Compensation for damage to my credit and the time spent resolving this issue SUPPORTING DOCUMENTS : - Citibank letter dated XX/XX/XXXX - Credit report showing the account still being reported - Evidence of my goodwill letter sent to Citibank

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 2025-10-22 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: NC

Complaint narrative:
THE LATE PAYMENT REPORTED IS COMPLETELY INACCURATE.

Company response to consumer: Closed with non-monetary relief