vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: AL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MD XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$25000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 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 letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately.

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay. 



I insist that you take immediate action to update, block, or delete the following

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: PNC Bank N.A.
State: NC

Complaint narrative:
This spring XXXX PNC Bank put me in forbearance against my will. 
I rolled with it and paid on time every month. 
I had complained when I found out but they told me it was done and could not be reversed. At the time, I had no idea it was illegal for them to do so. 
After the forbearance was over, they sent me new paperwork to fill out and I requested a refinance. They again placed me in forbearance, against my will with no agreement from me. Now, they again refuse to correct the issue. This is harming my ability to tap in to my equity with another institution. They also reported this to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: GA

Complaint narrative:
This CFPB complaint is submitted to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, XXXX, block from my consumer credit report any information resulting from identity theft and fraud within four business days of receiving this complaint.

The disputed information includes multiple unauthorized accounts, collection entries, and hard inquiries that I did not initiate or authorize. These entries are inaccurate and fraudulent, and they now appear on my consumer credit report maintained by your agency. 

I do not recognize any of these accounts, collections, or inquiries. They were not opened, made, or initiated by me and are solely the result of identity theft. For verification, I have attached a copy of my FTC Identity Theft Affidavit along with supporting documentation, including a copy of my credit report and a list of the disputed inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: CT

Complaint narrative:
I discovered incorrect accounts on my XXXX XXXX, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-07-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: TX

Complaint narrative:
National Recovery Agency is reporting XXXX medical debts on my credit report despite the XXXX final rule under Regulation V of the Fair Credit Reporting Act. The rule was finalized XX/XX/XXXX, and took effect on XX/XX/XXXX, following a brief stay. It prohibits the inclusion of medical debt on credit reports and bars its use in credit decisions. 
I contacted National Recovery Agency requesting removal of the following accounts : Acct # XXXX {$2200.00} Date : XX/XX/XXXX Acct # XXXX {$2400.00} Date : XX/XX/XXXX I also asked for clarification about any insurance billing and explained I would need to confirm my coverage through the state. Upon doing so, I verified that I did not have active insurance at the time of service. 
Their representative mischaracterized my statement and wrongly implied I had insurance. They refused to remove the accounts despite clear regulatory guidance. XXXX requesting enforcement action and immediate removal of both accounts in accordance with the 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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called American Express today XX/XX/year>. 
The reason is beacuse I did not see the welcome bonus offer points ( XXXX bonus points ) after spending {$6000.00}. I spent more than required amount a couple of months ago so I was wondering why the points did not showed up. The customer service said that they declined of bonus offer on my Reserve Card. They did not say the specific reason and refused to send me the denial in writing. They say " there are more factors involved than the number of accounts you have open and closed over the years ''. I have been a customer for about 10 years, never missed a payment and spent plenty on the credit cards, so I am still not clear why. 
Also, I said they should have told me before I got the credit card. They said that a pop up should have open up when I applied ; but there was no pop-up when I applied and it said I was approved. 
I consider this a very misleading marketing practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NY

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno XXXX XXXX XXXXs involved. XXXX disputing inaccurate and misleading information on my XXXX XXXX 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: MD

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX  ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Activehours
State: CA

Complaint narrative:
In XXXX of XXXX  I canceled my earnin account but I still had some money to pay but after that I disconnected my bank with the app but from then on they still took money from my account even though I had canceled it

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: TX

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-07-03 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: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 explanation
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I am writing to dispute the accuracy of information that's on my XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my XXXX XXXX. 

XX/XX/year> this account was closed, XXXX requesting it be removed from my credit report completely.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing to dispute the accuracy of information that's on my XXXX XXXX. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my XXXX XXXX 

XX/XX/year> this account was closed, XXXX requesting it be removed from my credit report completely.

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 2025-07-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I am writing to dispute the accuracy of information that's on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section XXXX. It is illegal to report information on my credit report without my permission. Please remove this item from my XXXX XXXX 

XX/XX/year> this account was closed, XXXX requesting it be removed from my credit report completely.

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 2025-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MS

Complaint narrative:
XXXX replies each time I receives a phone call from the in the Later collection agency stating the amount is incorrect. I have sent letters requesting a complete statement of all payments made on this account dating back to XX/XX/XXXX. They will only send a few for XXXX and XXXX. 
I did go the XXXX XXXX in the latter part of XXXX. They gave me a signed statement of what I financed. I did not go back in XXXX because my wife had XXXX and a the XXXX XXXX came. The amount on the receipt shows how much was actually financed. On XX/XX/XXXX, I sent a certified letter to the collection company ( Midland Credit Management ) MCM, requesting a complete statement of all payments made on this account dating back to XX/XX/XXXX. I never received it only a statement for a few payment in XXXX and XXXX. After I never received the information requested, I submitted a statement in writing via certified letter to XXXX XXXX XXXX, ( the credit company I went through all they sent was a bill. When you have service completed you receive a statement they are not sending a statement because they do not have one totaling that amount because, to my knowledge I did not go back after XXXX. I paid on that account for 4 years, plus my insurance paid {$1000.00}. In XXXX I had a house fire so all of my reciepts were lost. I did find my reciept for XXXX though it was in my car.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno XXXX XXXXy is involved. XXXX disputing inaccurate and misleading information on my XXXX XXXX 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno XXXX XXXXy is involved. XXXX disputing inaccurate and misleading information on my XXXX XXXX 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-07-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Problem lowering your monthly payments
Company: DISCOVER BANK
State: MD

Complaint narrative:
On XX/XX/XXXX, I reached out to Discover via the messaging portal on their app to inquire about a payment plan/financial hardship program. My balance was over {$11000.00}. It was too late in the evening, so I was instructed to call the next day between XXXX and XXXX XXXX. So on XX/XX/XXXX, I called them and was connected to an agent that went by the name XXXX. I told XXXX I was going through a job loss and before missing any payments I wanted to hear what Discover could offer me for a little relief. I was specifically looking for a lower monthly payment and lower interest rate. I was verbally offered two options. Both terms offered lower interest rates and a minimum payment under {$200.00}. One program was 12-months long with 16.99 % APR and minimum payments of {$150.00} or {$160.00}, and I can't recall the term of the other option. I spoke with my husband and we chose the 12-month program. Our new monthly payment was supposed to be around {$150.00}. Imagine my surprise when {$220.00} was due on my payment date. I paid it, however I distinctly remember being offered a much more feasible monthly payment for me that was between $ XXXX {$180.00}. I reached out to Discover again, and they're now trying to tell me that the 12 month program never had lower monthly payments and only lower interest. That makes no sense, I would have never agreed to a program that didn't meet my requirement to have lower monthly payments. So now they want to say that the program can not be modified in any way. I asked several agents to maybe pull the call since they always say the call can be recorded. No one could seem to help me and instead kept reiterating that I signed into this program with only lower interest rate which I know I didn't. I even had XXXX send over the options to me via some Discover portal where I could select which one to enroll on screen since I wanted to go over everything with my husband and be sure about what I was signing up for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-03 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:
Upon reviewing my XXXX XXXX, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-07-03 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: OH

Complaint narrative:
I disagree with the account listed below which still appears on my credit report, even after your investigation ( complaint iD XXXX ). I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score XXXX XXXX XXXX : Account XXXX. XXXX. In accordance with The Fair Credit Reporting Act, Public law 91506, Title VL, Section 6 1 1, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.

Company response to consumer: Closed with explanation