vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-29 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:
They kee on rejected my letter and online dispute .. ignore my dispute

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 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Select Management Resources, LLC
State: SC

Complaint narrative:
I entered into the contract XXXX of XXXX with XXXX XXXX XXXX XXXX ( XXXX XXXX ). The loan became overdue and it was placed into recovery and was repossessed on the morning of XX/XX/XXXX from XXXX and taken to XXXX, XXXX. There wasnt a notice to cure or any communication to let me know that it was up for repossession. As soon as the branch opened I spoke with a representative, I believe her name is XXXX who provided me with the total amount ( {$5000.00} ) that it would take to satisfy my loan and get my car back into my possession ( authorized released ). I immediately paid the amount and was told that I would be able to get it by end of business. Today, XX/XX/XXXX I have not received the authorization and my car has now travelled XXXX miles further away ( XXXX ). XXXX XXXX XXXX XXXX isnt responding or correcting the 3rd party. I reached out to the 3rd party on my own with no avail. I have paid all costs but have not received any further cooperation. I have fire arms and other personal items such as passports still in the car and Im not sure if I should call the police at this point.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
I submitted multiple certified dispute letters to Experian, Equifax, and TransUnion regarding inaccurate and unverifiable accounts. Experian lost my dispute for XXXX XXXX XXXX and later said they were not responsible for investigating the account. XXXX XXXX sold an account to XXXX XXXX ( XXXX XXXX XXXX, Final Closing XX/XX/year> ), yet it is still reported under CenterPoint. Other accounts, including XXXX XXXX XXXX and XXXX XXXX Bank, have not been properly reinvestigated. Despite my attempts to resolve these issues, the bureaus have failed to correct or remove the inaccurate accounts. I am requesting that all disputed accounts be permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: LA

Complaint narrative:
I submitted multiple certified dispute letters to Experian, Equifax, and TransUnion regarding inaccurate and unverifiable accounts. Experian lost my dispute for XXXX XXXX XXXX and later said they were not responsible for investigating the account. XXXX XXXX sold an account to XXXX XXXX ( XXXX XXXX XXXX, Final Closing XX/XX/year> ), yet it is still reported under CenterPoint. Other accounts, including XXXX XXXX XXXX and XXXX XXXX Bank, have not been properly reinvestigated. Despite my attempts to resolve these issues, the bureaus have failed to correct or remove the inaccurate accounts. I am requesting that all disputed accounts be permanently deleted from 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 non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
To Whom It May Concern, This letter is to inform you that I am requesting you immediately CEASE AND DESIST all communication with me regarding the alleged debt in your records.

I do not acknowledge this debt. You have not provided legal documentation verifying : - That you are licensed to collect in my state - That you were assigned or own this debt - That I entered into a contract with your agency You are in violation of my consumer rights under the Fair Debt Collection Practices Act ( 15 USC 1692c ).

If you continue to contact me after receipt of this letter, I will file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the FTC, and my State Attorney General. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 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: MI

Complaint narrative:
I am filing this supplemental complaint against XXXX XXXX XXXX XXXX for knowingly violating the Fair Credit Reporting Act ( FCRA ) by reinserting a fraudulent Apple Card tradeline on my Experian report after it had been properly blocked under FCRA 605B.

Despite my submission of : An FTC Identity Theft Report ( Report # XXXX ) A police report from XXXX Police Department A notarized affidavit of identity theft Proof of identity and address the Bank continued furnishing the fraudulent account and even directed Experian to reinsert the tradeline without proper certification or notice. 
Legal Violations FCRA 605B ( 15 U.S.C. 1681c-2 ) Requires blocking of identity theft accounts within 4 business days of receiving a valid report. XXXX XXXX has failed to comply. 
FCRA 611 ( a ) ( 5 ) ( B ) Prohibits reinsertion of previously deleted accounts without : Certification of accuracy, and Written notice to the consumer within XXXX business days. 
Neither occurred before the XXXX XXXX tradeline was reinserted. 
FCRA 623 ( a ) ( 1 ) ( A ) & 623 ( b ) Furnishers are prohibited from reporting information they know to be inaccurate, and must conduct a reasonable investigation after disputes. XXXX XXXX had actual notice of fraud yet continued furnishing false data. 
Pattern of Noncompliance My prior CFPB complaint ( # XXXX ) already raised these violations. XXXX XXXX latest reinsertion shows willful disregard of consumer protection law. 
Harm Ongoing damage to my credit reputation and FICO score. 
Denial of fair access to credit products. 
Emotional distress caused by repeated reinsertion of fraudulent accounts despite proof of 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 2025-08-29 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: PNC Bank N.A.
State: NC

Complaint narrative:
Unauthorized hard inquiries that are not attached to any accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I deposited my U.S. Treasury check ( IRS tax refund ) on XX/XX/year> into my account at PNC Bank. PNC has placed a hold on the check for over XXXX weeks, which is far longer than permitted under federal banking rules. 

Under Regulation CC ( 12 CFR Part 229 ), Treasury checks deposited in person must generally be made available within 1 business day. A hold of over a month is unreasonable and inconsistent with these requirements. 

PNC repeatedly told me that they needed verification from the IRS. However, I personally contacted the IRS, and the IRS confirmed that the check was valid. Despite this, PNC has continued to hold my money and has since closed my account without releasing the funds. 

This situation has caused me serious financial hardship. Because PNC has withheld my tax refund and closed my account, I have missed multiple paychecks, I can not pay my rent, and I have suffered other financial damages. 

I am requesting that regulators require PNC to immediately release my funds and provide a clear, legally valid justification for their actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: RentDebt Automated Collections, LLC
State: SC

Complaint narrative:
RentDebt Automated Collections XXXX. XXXX XXXX XXXX XXXX, TN XXXX Phone : ( XXXX ) XXXX Re : Cease and Desist / Dispute of Unauthorized Collection Account Amount {$3100.00} Original Open Date : XX/XX/XXXX To Whom It May Concern, I am writing to formally notify you that I dispute the validity of the collection account in the amount of {$3100.00}, which was allegedly opened with your agency on XX/XX/XXXX, under my name and reported to the credit bureaus. I had no knowledge of, nor did I consent to, this debt, and I believe it to be inaccurate or placed in error.

This letter serves as both a Cease and Desist and a formal demand for removal of this account from my credit reports with XXXX XXXX XXXX XXXX As of today 's date, XX/XX/XXXX, I request the immediate deletion of this account from all consumer reporting agencies where you may have furnished this data.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) : I demand that you cease all collection efforts related to this alleged debt, including phone calls, letters, or electronic communication. 

I request that you provide full validation of this debt including : The original creditors name and address The signed agreement or lease showing I am responsible for this debt A detailed itemized breakdown of the amount claimed If you can not fully validate this debt, you are legally required to delete it from all credit reporting agencies. 
Failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. 

I expect a written response within 30 days from the date of this letter. If you can not provide adequate proof that I owe this debt, you are required to remove it from my credit report without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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:
Equifax data breach included in the lawsuit. I submitted all my information, but somehow it keeps on recording the same and I would like it to be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: GA

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible Purposes of Consumer Reports, by furnishing or reporting information on my credit file without any permissible purpose, written consent, or legal authorization. At no time did I grant authorization for this agency to obtain, use, or disclose my consumer information, and the continued reporting of such entries constitutes an unlawful act that compromises both the accuracy and integrity of my credit file. This misreporting has directly harmed my creditworthiness, caused emotional and financial distress, and placed undue barriers on my ability to secure credit, housing, and employment opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Prepaid card — Payroll card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: OPTUM BANK, INC.
State: CA

Complaint narrative:
I have an HFSA card that I have money deposited out of my paycheck onto. I use this card to pay medical and dental bills only. I upload the documents onto their app whenever I file claims for medical and dental issues. 

Late XXXX medical equipment was prescribed and picked up. The bill didn't come until XX/XX/XXXX. I paid invoice with card in XX/XX/XXXX as indicated by received bill. Optum ( where my HFSA is housed ) is telling me I need to give them that money back and pay out of pocket because I received the care in XXXX despite not being billed until XXXX. 

Additionally I receive care at XXXX XXXX XXXX XXXX I've been going there for years and upload my documents. The documents do not say what illness I went in for it says I was seen at XXXX XXXX  and what the charge is. These claims have also been denied now when they were not denied previously. 

My account is locked and they are not rectifying the situation no matter how many times I call showing that I have done everything in my power, and that the claims are legit. The resolution is clear, validate the information by reviewing the submitted documentation. If it is billed from a medical institution for a medical reason it should be paid out. There should be no need for a customer to call over and over again to use the funds they put in to the account for the exact purpose they are requesting them for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint against Equifax for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX  XXXX XXXX 120 days Late XXXX XXXX XXXX XXXX Late Date XX/XX/year>. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Equifax, yet Equifax continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with XXXX  under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Equifax failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Equifaxs reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: CCF Intermediate Holdings LLC
State: AL

Complaint narrative:
I got a title loan with check into cash I had went in in XXXX of 2021 to make my payment was notified that check into cash had sold out to Easy Money and that I was to go to Easy Money to make my payment so I did. When I went to make payment the teller could not find it so they called manager told manager I was trying to make payment on my loan with check into cash they say okay and find it in computer I make payment. In XXXX of the same year I got behind which I have done a few times and I called Easy Money to make arrangements to come in to make payment. I asked the lady I was speaking with if they were going to repoe my car she said no they would just charge me XXXX XXXX  for each day we were late. That night it snowed in XXXX and the next morning there was some roads closed so I called Easy mo ey to see if they were open no one answered the phone so we didn't try to get there that Saturday we figured we had contacted the day before and we would be good till Monday but we weren't Easy Money didn't repoe the vehicle check into cash did on the XXXX of XXXX we contacted Easy Money Monday morning and the lady we talked to could not found our account. She never said that check into cash repoe and before we could find out anything I got a letter from Check into cash saying they were selling my car at auction or I could buy it back I did not at this time know that the wrong company repoed my car. After the letter I gave up hope I knew we couldn't get another loan for the car I had not realized I could go take another loan out or I would have. I have tried for several years to get someone to do something about this I even contacted six on your side to no avail. I believe that check into cashs computer sent a order to pick up my car in error thinking that check into cash still owned it but they did not. Easy Money owned it due to the fact I made 3 payments there with Easy money and just one payment is binding with things of this nature. So because of a computer mistake we have went now with 4 to 5 years without a good way of going that we could depend on like we did my XXXX. And i believe check into cash is liable for this due to they never should of repoed my car. I tried to get ahold of check into cash about two years ago first they said my account was in arrears when I asked them how when they took my car for what was owed? Then they said they could not find my car so I went on line and found it they said they had to have the letter to be able to do anything so I found the letter when I sent it to them when they received it they then said they couldn't do anything to help me case closed. So now I am trying to get this wrong righted this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-29 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: MS

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Transunion Dispute of accurate Credit Reporting XXXX XXXX XXXX XXXX Account Dear CFPB Representative, I am writing to formally file a complaint and request an investigation regarding accurate information being deleted by Transunion concerning my REAL ESTATE Mortgage account with XXXXXXXX XXXX XXXX XXXX. Transunion recently deleted my real estate XXXX Mortgage Account Information : Creditor : XXXX Mortgage / XXXX Mortgage XXXX Original Loan Amount : {$89000.00} Current Balance : {$82000.00} Monthly Payment : {$1100.00} Opened : XX/XX/XXXX Term : XXXX months ( XXXX years ) Payment History : XXXX % on-time payments Last Payment Made : XX/XX/XXXX Current Status : Current, never late Issue : XXXX recently deleted this account from my report. My account is in good standing with no late or missed payments. I have consistently made every payment on time since the account was opened. The current balance and payment history should reflect the accurate standing of this mortgage loan. 

Requested Resolution : Reinsert the reporting of my XXXX XXXX XXXX XXXXXXXX account to accurately reflect : Payment status : Current, never late Accurate balance : {$82000.00} Accurate highest balance : {$89000.00} Accurate monthly payment : {$1100.00} Accurate payment history : XXXX % on-time I respectfully request that this matter be investigated promptly and that Transunion be directed to correct accurate information. Please notify me in writing once the investigation is complete. 

Thank you for your assistance in ensuring fair and accurate credit reporting. 

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 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
This account is now 7 years open and shouldve been removed from my credit but they failed to do so

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