vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a XXXX party. They in fact did not come from a XXXX party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-23 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: TX

Complaint narrative:
These accounts are not mine, and I request their removal within the 15-day period required by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: CT

Complaint narrative:
FPB COMPLAINT FOLLOW UP TO COMPLAINT # XXXX Account ending in XXXX Discover mischaracterized a rescheduled payment as a stopped payment and, based on that mischaracterization, accelerated the full balance and referred the account to collections. 

PER complaint XXXX on XX/XX/year> I called Discover Customer Assistance and Recovery department and advised them that I needed to MOVE the payment to a week later and the customer service rep agreed and scheduled the payment. 

I did not stop payment. I contacted Discover to reschedule a payment due to my employer restructuring payroll from biweekly to twice a month with an initial 6 week gap, which temporarily affected my payment timing. Please go back to this phone call and the notes from the rep I spoke with. 

This was a good-faith adjustment, not a refusal to pay. Discover maintains recorded calls and account notes that will confirm this. 

Despite this, Discover accelerated the full balance and referred the account to collections. I believe this action was disproportionate and based on an inaccurate characterization of the payment change. 

I request that Discover review call recordings, internal notes, and payment history, correct the record, and reconsider the collections referral based on accurate facts. 

I believe this escalation was based on inaccurate account characterization and a failure to consider recorded calls, internal notes, and good-faith communication. 

I am requesting supervisory review of Discovers servicing practices, correction of the record, and reconsideration of the referral to legal collections. 

I did not receive clear notice that rescheduling the payment would result in acceleration or referral to collections. I did not receive clear notice that rescheduling the payment would result in acceleration or referral to collections as the Discover rep assured me this was not a problem. 



Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I did not authorize the inclusion of these unauthorized accounts on my credit report, and I kindly request their removal. Immediate action is required to remove and block this inaccurate information from my records. Please proceed with removing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: PENTAGON FEDERAL CREDIT UNION
State: MA

Complaint narrative:
i contacted XXXX XXXX Services. They had purchased a sect from pentagon federal which was identity theft but caused me to go u to bankruptcy. i sent them my police report and pentagon federal is still on my credit report reporting it so its illegal for Security to be on their as a collection and they just sent me a letter saying they dont have to verify anymore information and if i want to discuss a payment plan. This account was in bankruptcy, theyre breaking the law by trying to ask for a payment and im gon na sue them if they dont delete the collection off my credit report

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 2025-12-23 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: MI

Complaint narrative:
I purchased a {$500.00} prepaid American Express card and every place that I try to use it, the purchase gets declined

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 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: NC

Complaint narrative:
I am disputing the accuracy of the following accounts listed under the charged-off section. These entries contain discrepancies and need to be reviewed and corrected. 

Charged Off Accounts : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: LA

Complaint narrative:
The late payment entries currently appearing on my credit report are inaccurate and do not accurately reflect my true payment history. I have submitted multiple requests for investigation and correction of these discrepancies ; however, no meaningful or corrective action has been taken. Despite providing all requested documentation and following up in good faith, these errors remain unresolved. 

The continued reporting of inaccurate information has caused substantial financial harm and emotional distress. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a consumer credit report that is fair, accurate, and complete. This includes the prompt correction or deletion of any information that is inaccurate, misleading, or can not be verified. Your failure to address these inaccuracies after repeated notice constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: CA

Complaint narrative:
I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-12-23 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: CA

Complaint narrative:
I am writing to file a formal complaint against the Credit Reporting Agencies ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law. 

Equifax, Experian and Transunion have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: SERVICEMAC, LLC
State: FL

Complaint narrative:
Unfair Assessment of Fees Contrary to Federal Court Findings On XXXX XXXX XXXX XXXX XXXX XXXX assessed a {$14000.00} " Litigation Fee '' to my account ( Loan # XXXX ), claiming it was for legal costs related to XXXX XXXX XXXX ( Case No. XXXX, XXXX XXXX XXXX ). 

This fee is unauthorized and unfair because the Federal Court explicitly recommended against it. In the dismissal order dated XX/XX/2025, United States Magistrate Judge XXXX XXXX XXXX stated : " At this stage in the litigation, were this Court asked to award fees, the undersigned would be very reluctant to do so. In the same spirit, the undersigned would also recommend waiver of any potential fee assessment based on Plaintiffs ' conduct thus far. '' ( See attached XXXX XXXX XXXX XXXX XXXX XXXX 

The Court found my actions were in " good faith. '' By charging this fee XXXX weeks later, the servicer is ignoring a Federal Judge 's written recommendation and punishing a consumer for exercising legal rights. I have simultaneously filed a complaint with the XXXX Office of Financial Regulation regarding this deceptive practice.

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 2025-12-23 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-23 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: AL

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-12-23 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: 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 non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am contacting you to dispute a credit report entry that I believe is the result of unauthorized activity. I did not consent to any such account, and its presence on my report is both inaccurate and concerning. I request a comprehensive investigation into this matter and the immediate removal of this fraudulent information from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: DC

Complaint narrative:
This is from me and not a credit repair company. I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WELLS FARGO CARD SERVICE denied me a credit card and according to Title 15. Subsection 1611 False and misleading denial of my own credit .and I want a listing of all of the factors? That were involved. In this consumer transaction

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 2025-12-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
This letter is a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. I dispute this debt and request that you provide proper validation. 

Please provide the following : The amount of the debt, including an itemized breakdown of any interest, fees, or charges The name and address of the original creditor Documentation showing that I am legally obligated to pay this debt Proof that you are licensed or authorized to collect this debt in my state A copy of the original contract or agreement bearing my signature Until you provide the requested validation, please cease all collection activities and communication regarding this account. 

If you can not validate this debt, please remove it from your records and from any credit reporting agencies to which it has been reported. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-23 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: TX

Complaint narrative:
I am submitting this complaint regarding a failure to conduct a proper reinvestigation under the Fair Credit Reporting Act. 

The company continues to report a collection account with the following details. 

Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Phone ( XXXX ) XXXX Account details Original creditor : The XXXX XXXX  Account type : Collection agency or attorney Responsibility : Joint account Date opened : XX/XX/XXXX High balance : {$7800.00} Past due : {$7800.00} Pay status : Collection Date updated : XX/XX/XXXX Remarks : Completed investigation of FCRA dispute consumer disagreed, placed for collection I formally disputed this account with the credit reporting agencies. The furnisher verified the account without conducting a reasonable reinvestigation. The response failed to address the substance of my dispute and relied on automated verification instead of reviewing underlying evidence. 

This conduct violates the Fair Credit Reporting Act, including : 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) Failure to conduct a reasonable investigation after receiving notice of a dispute.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( B ) Failure to review all relevant information provided by the credit reporting agencies.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( C ) Failure to report the results of a complete and accurate investigation.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ) Failure to correct or delete information found to be inaccurate or unverifiable.

15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) Continued furnishing of inaccurate information to consumer reporting agencies.

The furnisher did not provide validation, documentation, or evidence showing contractual liability, accurate balance calculation, or lawful placement for collection. The notation stating the investigation was completed while the consumer disagreed supports a perfunctory process rather than a reasonable reinvestigation as required by law. 

I request the CFPB require the company to conduct a lawful reinvestigation, provide documented proof of accuracy, or delete the account from all credit reports. 

I am requesting written confirmation of the investigation method used, the records reviewed, and the specific evidence relied upon to verify this account.

Company response to consumer: Closed with explanation