vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 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:
This record does not accurately represent my financial practices and appears to be erroneous. Kindly review and remove it from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have been a loyal JCPenney credit card holder for over XXXX  years. Recently, my credit limit was reduced from {$1300.00} to {$500.00} without any notice or explanation. I usually make payments by phone, as I do not receive invoices by mail or electronically, and I have consistently made payments on time, with at most XXXX late payment in the last XXXX  months. 

I often discover the limit reduction only when trying to make a purchase or a payment. At first, I thought something was wrong with me. This lack of notice is both frustrating and humiliating, and it has negatively impacted my credit report and credit score, especially as I recently went back to school and have student loans. Life circumstances beyond my control, including employment instability common in XXXX, have not prevented me from making consistent payments throughout my financial challenges. 

Under the Equal Credit Opportunity Act ( ECOA, 15 U.S.C. 1691 ( d ) ) and the Fair Credit Reporting Act ( FCRA ), I am entitled to written notice of any adverse action, including credit limit reductions, and the reasons for such action. I received no notice, which appears to violate these federal laws.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: UT

Complaint narrative:
I submitted an XXXX XXXX ( XXXX XXXX ) application on XX/XX/year>. My account has shown in review for nearly a year. During this time, my loans have been placed into forbearance and interest has accrued. 

When I contacted MOHELA, they stated they could not find my account or my pending application. This is a servicing error. I should not be penalized for delays or mishandling by my servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: WI

Complaint narrative:
I called XXXX on the phone for my two cards XXXX and XXXX to return the amounts on both cards. XXXX had told me to wait, that they would call a specialist, they had called Midlant Credit Management by phone. Middlant Credit Management did not introduce themselves to me. And I agreed to return the amounts on both cards, as it appeared to XXXX. The next day I called XXXX on the phone and they told me that I should contact Midlant Credit Management, then everything became clear to me, how XXXX and Midlant Credit Management did it. For the card XXXX, Midlant Credit Management wrote incorrectly that it is a XXXX XXXX XXXX, it is a Citib Rewards+ Card with an amount of {$1700.00}. I called XXXX on the phone to tell me the amount on that card, but XXXX did not want to. The second card is XXXX Double Cash XXXX with an amount of {$1600.00} I was going to start paying both cards from XX/XX/year> then XXXX ; XXXX ; XX/XX/year> ; XX/XX/year> Midlant Credit Management has not taken the money and has an automatic payment scheduled.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: FL

Complaint narrative:
Requesting you Block and Remove Fraudulent accounts and inquiries from My Consumer Report. I am writing to inform you of a serious situation involving the compromise of my Social Security number, which has led to both an Experian data breach and identity theft. I have already reported this to the Federal Trade Commission and filed a report, which is referred to as FTC report number ( XXXX ) and included with this letter. In accordance with 15 USC 1681c-2 ( c ) ( a ), it is imperative that you, as a credit reporting agency, take immediate action to block and remove all information related to this identity theft from my credit report. This statute requires credit reporting agencies to address such requests promptly, within XXXX business days of receiving a complaint containing the following information : Collection Account XXXX XXXX  Account XXXX XXXX XXXX Account XXXX XXXXXXXX and Personal Information to Be Corrected or Deleted Employer XXXX XXXX XXXX XXXX Incorrect, remove immediately. 
Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Remove. 
Incorrect Name XXXX XXXX XXXXXXXX Remove. 
Incorrect Previous Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please Remove. 
I do not recognize these accounts I demand the fraudulent account to be removed from each of my consumer credit files.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am requesting that Experian, Equifax, and TransUnion update and correct my personal information in my credit reports. My files contain multiple names and addresses that are inaccurate and do not belong to me, which constitutes false and misleading reporting. In addition, there are several hard inquiries that I did not authorize, which are damaging my credit profile.I have the right to have inaccurate, incomplete, or unverifiable information investigated and removed.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am requesting that Experian, Equifax, and TransUnion update and correct my personal information in my credit reports. My files contain multiple names and addresses that are inaccurate and do not belong to me, which constitutes false and misleading reporting. In addition, there are several hard inquiries that I did not authorize, which are damaging my credit profile.I have the right to have inaccurate, incomplete, or unverifiable information investigated and removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: MI

Complaint narrative:
A few weeks ago, I submitted dispute letters directly to all XXXX  credit bureaus regarding inaccurate items on my credit report. These inaccuracies are clear violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), and the bureaus are legally obligated to investigate and correct them. I have received responses suggesting I am using a XXXX-party service, which is false. I am the sole author and sender of these disputes, and I have not enlisted the help of any credit repair company or outside entity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: TX

Complaint narrative:
I used to have a XXXX credit card with an annual of {$99.00}. An annual fee of {$99.00} was posted on my statement on XX/XX/XXXX in XXXX. Because it was a financial burden to me, I decided to change from this card with an annual fee to a different credit card with no annual fee. I completed this process on the phone with the assistance of the XXXX Bank staff. I received a new card with no annual fee a couple of days later. Then, I have waited for the removal of the fee from my statement. In the meantime, I have called US Bank several times to check the status and ask the processing of the annual fee removal because I have seen the fee was still on the statement. Every time I called them, they said that my request was received, and I would need to wait, while they also noted that I would need to pay {$99.00} first and then get it refunded once the process has been completed. It has already been over XXXX  months since I changed my credit card. There is no refund yet and I am tired of calling them anymore.

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 monetary relief
Consumer complaint received 2025-10-02 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-03 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: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] [ XXXX ] Date : [ XX/XX/year> ) -- - To : ConServe ( Continental Service Group , Inc. ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - Subject : Debt Validation Request under 15 U.S.C. 1692g and FCRA Requirements To Whom It May Concern, I am writing in response to a collection notice I received from your agency dated XX/XX/year>, regarding an alleged debt with the following reference : ConServe Reference Number : XXXX Creditor Account # : XXXX ( XXXX XXXX XXXX XXXX XXXX Credit Card ) Alleged Balance : {$25000.00} This letter is a formal request made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ). I request full validation of the alleged debt, which must include, but is not limited to, the following : 1. The name and address of the original creditor.

2. A copy of the original signed contract or agreement bearing my signature.

3. A complete itemized accounting of the alleged debt, including all charges, interest, and fees.

4. Documentation showing you are legally authorized to collect this debt in my state.

5. Proof of your debt collection license/registration in my state ( if applicable ).

6. The complete chain of title for this debt from the original creditor to your agency. 



Furthermore, if this alleged debt has been reported to any Credit Reporting Agency ( CRA ), you are required by law to : Immediately mark the debt as disputed under 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Provide a copy of the Metro 2 data format you used when reporting this account to CRAs, including the compliance with E-Oscar dispute codes, specifically : Code XB Account information disputed by consumer.

Code XH Account closed at consumers request ( if applicable ).

Code Z Deletion requested ( if the debt can not be validated ). 


Until such validation is provided, you must cease all collection activities and must not report this account to any CRA. If the account has already been reported, it must be updated to reflect the disputed status immediately. 

Failure to comply with these requirements will constitute a violation of the FDCPA and FCRA. If violations occur, I will not hesitate to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney Generals office, and other relevant authorities. 

You have 30 days from receipt of this letter to provide the requested validation. Until then, any further collection activity, including calls or reporting to CRAs, will be considered willful non-compliance with federal law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge 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: IA

Complaint narrative:
I purchased an XXXX XXXX XXXX XXXX XX/XX/2025 through Apple using Apple Card Monthly Installments ( XXXX ). XXXX and the checkout process represented that I would pay $ XXXX for 24 months. Instead, Goldman Sachs Bank USA ( issuer of the Apple Card ) charged my card the entire purchase price upfront ( over {$1200.00} ). 
At the time of the purchase, my Apple Card had a {$3000.00} credit limit, with only {$33.00} available credit. Goldman Sachs approved and posted the full charge anyway, which forced my account balance over {$4000.00}. I never opted in to over-the-limit transactions as required under the Credit CARD Act, 15 U.S.C. 1637 ( k ). This means Goldman Sachs processed an over-limit transaction without my consent, which is unlawful. 
As a result : My available credit was wiped out for months. 
My credit utilization ratio spiked, harming my credit. 
I was misled into believing only $ XXXX would impact my account, when in fact the entire purchase price counted against my limit. 
This appears to violate both the Truth in Lending Act disclosure requirements and the CARD Acts over-limit protections, and it is misleading under state and federal consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: WLCC
State: WA

Complaint narrative:
I missed payments and asked for help to get on track. They said they could take a {$50.00} payment and reduce payments to around $ XXXX. The loan was taken around 4 weeks ago, for {$1000.00}. My account now shows I owe nearly {$4000.00} with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: IN

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
1 ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX Reported Status : * * Charge-off with past-due {$22000.00} as of XX/XX/XXXX, showing XXXX day lates from XX/XX/XXXX through XX/XX/XXXX. 
- * * Last Payment Made : * * XX/XX/XXXX ( per your file ). 
- * * Date Closed : * * XX/XX/XXXX. 
I dispute the accuracy of this charge-off status and the extended late payment history. Please provide payment ledgers and the charge-off documentation used. If you can not fully verify, delete or correct this tradeline. 

XXXX XXXX XXXX  2 ) XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : * * XX/XX/XXXX - * * Reported Status : * * Charge-off with {$2300.00} balance from XX/XX/XXXX through at least XX/XX/XXXX despite a XX/XX/XXXX closure date. 
- * * Last Payment Made : XXXX XXXX XXXXXX/XX/XXXX. 
This shows reporting beyond closure with continuing charge-off notation. Verify accuracy of balance and status ; if unverifiable, delete or update. 

XXXX XXXX XXXX 3 ) XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX Reported Status : * * Charge-off with {$1900.00} past due from XX/XX/XXXX through XX/XX/XXXX, even though the account was closed XX/XX/XXXX. 
- * * Last Payment Made : * * XX/XX/XXXX. 
I dispute the post-closure charge-off reporting and ongoing balance. Provide supporting records or delete/correct. 

XXXX XXXX XXXX 4 ) XXXX XXXX XXXXXXXX XXXX  Bank Secured Credit Card Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : * * XX/XX/XXXX - * * Reported Status : * * Charge-off with {$70.00} past due, XXXX  day late notations starting XX/XX/XXXX through XXXX, charge-off XX/XX/XXXX. 
- * * Last Payment Made : * * XX/XX/XXXX. 
I request verification of the charge-off and late marks. If unsupported, please remove or correct. 

XXXX XXXX XXXX  5 ) XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Date Opened ( Collection ) : XXXX XXXX XXXX XXXX XXXX XXXX Reported Status : * * Collection with {$730.00} balance ; marked Placed for Collection. 
I dispute ownership and amount. Please provide proof of assignment/bill of sale, original contract, and itemized balance. If unable to validate, delete.

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