vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: AmeriCollect
State: MI

Complaint narrative:
Americollect has been calling me from Georgia XXXX phone numbers and Michigan XXXX numbers. I recieve between XXXX and XXXX attempts from them a day for the last XXXX months. If I block the number, I recieve another call from a number almost identical to the one I just blocked. I've asked them to stop calling me and that I'm aware of the debt. They just won't quit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
Hello, so on XX/XX/year> I ordered an express replacement for my wifes phone from Apple. ( I have a Apple care + warranty service subscription on all my family phones ) so order gets put in on XX/XX/XXXX, XX/XX/XXXX order gets acknowledged, XX/XX/XXXX I get the new XXXX XXXX XXXX at my house, the same day I transfer all the data from broken phone onto the new XXXX, reset the broken XXXX and on XX/XX/XXXX put it back in original shipping box and bring it back to XXXX  store and ship the phone back to Apple, meanwhile awaiting for my Apple Card account to be credited back {$1000.00} for this service, because those are the terms and conditions : you get charged {$1000.00} initially but then after the phone is returned you get charged {$100.00} deductible and everything else goes back on your card, well then magically on the later date I receive a email from Apple that I have 4 more days to return the phone or else my card will get charged full amount, and I immediately start calling Apple support, because by looking at the tracking number on the receipt it showed that package already had been delivered back to Apple, but the advisor told me that the personnel possibly didnt get to the package and told me to be patient, but then a few days later I received another email from Apple, saying : there was a problem with shipment and they had received an empty box, very many emotions went through my mind because how can this even be possible? Apple is trying to tell that I scammed them? But why would I do that? The cost on the street for XXXX XXXX XXXX is probably around $ XXXX {$600.00} Apple is trying to charge me {$1000.00} for this its literally almost newest XXXX XXXX right now. So I called Apple again and explained this to them and sorta put up a fight about it, and fortunately they agreed to refunding my account, I even have an email from Apple to prove that, well since that email was sent to me by Apple its been almost a month, but my account is not getting credited back with a charge of {$1000.00} still on it, Ive tried contacting Apple several times and nothing is being resolved, please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CNG HOLDINGS INC
State: OH

Complaint narrative:
XXXX and XXXX collection agency was disputed with XXXX. It came back auto confirmed. This account was forgiven under the CFPB XXXX XXXX settlement to release and refund from the originating company XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest provided a paid in full letter to me in XXXX then report my payments as late for the month of XXXX after the loan was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: FL

Complaint narrative:
Late Payment Notification and Assertion of Consumer Rights XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear To Whom It May Concern, I am writing to formally dispute a late payment entry on my credit report and to assert my rights under the Fair Credit Reporting Act ( FCRA ) and relevant sections of the United States Code ( U.S.C ). 
According to my credit report there is a late payments. 


XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX However, I would like to bring to your attention that this late payment is inaccurate and unjustified. 
Under the FCRA, I have the right to dispute any inaccurate information on my credit report. Section 611 of the FCRA ( 15 U.S.C. 1681i ) mandates that consumer reporting agencies, such as yours, must promptly investigate disputed items and correct or delete any information found to be inaccurate, incomplete, or unverifiable. 
Furthermore, according to the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 805 of Title 15 U.S.C., debt collectors must provide accurate information and refrain from reporting false or misleading information to credit reporting agencies. 
I am formally requesting that you investigate this late payment entry and provide me with the following information : 1. Verification of the accuracy of the late payment entry, including proof of the alleged late payment. 
2. Documentation demonstrating compliance with all applicable laws and regulations regarding the reporting of late payments. 
3. I expect a thorough investigation into this matter and request that you provide me with a written response within 30 days, as required by law. Failure to comply with these requests may result in further action to enforce my rights under the FCRA and FDCPA. 
4. Please note that my consumer rights must be respected, and any failure to adhere to the provisions outlined in the FCRA and relevant U.S.C. laws will be pursued accordingly. 
5. Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, 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 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to Human Trafficking Debt Bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following 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 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 XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 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:
I am writing to file a formal complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX, regarding the reporting of a collection account on my credit report ( account number XXXX ). I believe that the manner in which this collection is being reported violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal laws. XXXX XXXX is reporting a collection on my credit report that I contend is inaccurate and misleading. I have attempted to resolve this issue directly, but my concerns have not been adequately addressed. I have reason to believe that the practices employed in the collection process may be in violation of 15U.S.C.1692c ( c ), which prohibits certain misrepresentations and deceptive practices in the communication of debt information.Under 15U.S.C.1692c ( c ), a debt collector is prohibited from communicating or threatening to communicate to any person credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. I contend that XXXX XXXX has either failed to inform me properly regarding the disputed status of this debt or has communicated information that I believe is inaccurate. As a result, this collection account is adversely affecting my credit score, and I request that it be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
Regions decided to not provide provisional 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 explanation
Consumer complaint received 2025-04-12 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: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at I XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX  on XX/XX/XXXX with a balance of {$1900.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
My debit card was used without my authorization. There was {$770.00} taken from my account. I received an email from PayPal asking me if I had authorized a debit for {$100.00} which I had not do so I answered no. Upon looking at my account after receiving said text I noticed a XXXX other charges and immediately reported this to PayPal. They found that all but XXXX of the charges were of my doing. I was refunded {$150.00}. I want the remaining {$620.00} returned to me as well. Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: IL

Complaint narrative:
Data breach Equifax there was account and multiple inquiries in report All XXXX XXXXXXXX XXXX XXXX all inqyires XXXX XXXX XXXX XXXX  all inquires XXXX ( all ) XXXX XXXX balance XXXX fraud XXXX XXXX XXXX balance remove XXXX XXXX  XXXX fraud XXXX XXXX  XXXX there are 20 accounts fraud should only be one 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 2025-04-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XX/XX/XXXX I tried to pull the bank statements from a deleted account because XXXX can not locate my XXXX XXXX  which I purchased from the debit card associated with this account. The lady got my drivers license and she found the account and said it was purged on the same day it was closed. She sees the information but could not print it. Purged means even though the account was from 2017 all data was deleted. How is that possible? She said someone must have hit the wrong button. But she printed out a report from XXXX which was stupid. Then she asked for my social security number which I entered and she said her computer started spinning and she said Ill go try another computer and I said ok. She came back and said that no statements can be printed today. That was really strange. I said Ill get my husband to get them. He went to XXXX XXXX and got them but these statements are all edited and missing the information from XXXX. I want the original statements immediately. I worked at XXXX and they were compromised and TD was involved with them with some other issues that I wrote to the comptroller about but this is personal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: FL

Complaint narrative:
XXXX took unauthorized payments from my account between XXXX and XX/XX/XXXX, despite a federal repayment pause. In a recorded call ( XXXX XXXXXXXX ), a XXXX representative admitted the mistake and stated that a refund had been submitted via the U.S. Treasury due to my request. The rep also acknowledged that this refund would never have occurred had I not personally called and escalated the issue. 

I have made XXXX PSLF-qualifying payments. I submitted a formal request to the Department of Education for full discharge based on servicer misconduct, but my claim was miscategorized as a duplicate PSLF reconsideration and closed without proper review. I specifically requested assignment to a caseworker, a resolution timeline, and consideration under 34 CFR 685.214, which allows for loan discharge due to servicer error. None of those requests were honored. Additionally, my ombudsman complaints were closed without meaningful action or explanation. 

The Department of Education has both the authority and the responsibility to discharge loans when servicers under its contract cause financial harm to borrowers. Instead, the Department has repeatedly mischaracterized my complaints as routine PSLF forgiveness requests, despite clear documentation that this is a case of servicer misconduct. Their inaction has only compounded the financial and emotional harm caused. 

The Department of Education acknowledged my complaint in writing ( XXXX XXXX # XXXX ), clearly stating they were aware of my refund issue, my PSLF eligibility concern, and my request for loan discharge due to servicer misconduct. Despite this, the Department responded by stating that XXXX  reply on XX/XX/XXXX, had " addressed '' the concernignoring the fact that I only received my refund after filing a fraud dispute with XXXX XXXX, not due to XXXX or XXXX  action. 

They further dismissed my complaint using generic Master Promissory Note language, completely ignoring the fact that I was requesting loan discharge under 34 CFR 685.214, which explicitly allows the Department to discharge loans in cases of servicer misconduct. Since then, additional complaints Ive filed through the ombudsman portal have been marked as duplicates and closed without review, proving an ongoing refusal to properly investigate and resolve this case. 

Full discharge of my loan is the only fair and lawful resolution.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-12 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: United Accounts, Inc.
State: GA

Complaint narrative:
I am writing to file a formal complaint against XXXX XXXX, located at XXXX XXXX XXXX XXXX, XXXX, North Dakota XXXX, regarding the reporting of a collection account on my credit report ( account number XXXX ). I believe that the manner in which this collection is being reported violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and other applicable federal laws. XXXX XXXX is reporting a collection on my credit report that I contend is inaccurate and misleading. I have attempted to resolve this issue directly, but my concerns have not been adequately addressed. I have reason to believe that the practices employed in the collection process may be in violation of 15U.S.C.1692c ( c ), which prohibits certain misrepresentations and deceptive practices in the communication of debt information.Under 15U.S.C.1692c ( c ), a debt collector is prohibited from communicating or threatening to communicate to any person credit information which is known or should be known to be false, including the failure to communicate that a disputed debt is disputed. I contend that XXXX XXXX has either failed to inform me properly regarding the disputed status of this debt or has communicated information that I believe is inaccurate. As a result, this collection account is adversely affecting my credit score, and I request that it be removed immediately from all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 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: NE

Complaint narrative:
Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , 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. This fraudulent, inaccurate, and false information consists of a personal credit card account.

These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
Hi, I am filing this complaint in an effort to have several charge-off accounts from XXXX removed from my credit report. These accounts were paid in full and are over eight years old. Despite multiple attempts to resolve this directly, the issue remains. 

XXXX continues to report these accounts as charge-offs, even though they are outdated and settled. Ive contacted the credit bureaus, who have directed me back to XXXX. XXXX, in turn, insists the reporting is accurateyet based on the age and payment status of the accounts, it should no longer be affecting my credit report. 

To make matters worse, XXXX is now actively marketing to me and trying to solicit my business. I want to be clear : I will not consider doing business with a company that continues to report paid and outdated accounts in a way that damages my credit. 

I respectfully request that this matter be investigated and that these accounts be removed from my credit report as they no longer meet the standards for valid negative reporting. 

I also had fraudulent activity attached to my name, which I have already filed a police report for. 

Thank 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