vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DISCOVER BANK
State: AZ

Complaint narrative:
On XX/XX/year>, I opened a traditional Retirement CD IRA with Discover Bank, intending to fund it with proceeds from a maturing CD at XXXX XXXX  on XX/XX/year>. 
Since then, Discover Bank has failed to process the funding despite my repeated efforts to resolve the issue. Beginning around XX/XX/XXXX, I contacted their customer service numerous times-making dozens of calls-and spoke to multiple agents and supervisors. Each time, I was assured the transfer would take " one to two business days '' and that all documentation was in order. Yet, as of XX/XX/year>, the funds have not been transferred, and my IRA remains unfunded. 
Discover 's agents and supervisors provided inconsistent and misleading information, repeatedly promising resolution without follow-through. I have no record of specific dates or names due to the sheer volume of calls, but the pattern of delays and unfulfilled assurances has persisted for weeks. This has caused me significant frustration and financial uncertainty, as I intended to secure my retirement savings with this account. Due to Discover 's unreliable service, I no longer trust them to manage my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion is reporting an account from XXXX that is not reported by XXXX or XXXX. This inconsistency raises concerns about the accuracy and violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. I disputed this account once through XXXX XXXX on XX/XX/year>, and once directly with TransUnion on XX/XX/year>. Both times, the account was marked as verified without any documentation or explanation. If the account were valid, it would appear on all major credit bureaus. I am requesting that this account be removed from my TransUnion credit report due to unverifiable and inconsistent 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: WA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( mo ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lockhart, Morris & Montgomery Inc.
State: CO

Complaint narrative:
I checked my credit in the beginning of XXXX and discovered that I had a collections placed on my report. I contacted the collections company listed and they said it was for a company that I had had scam problems with years earlier. I successfully had the account closed and it removed off my credit years ago. I explained to the credit bureaus in my dispute in XXXX that it had already been resolved and removed from my credit report. 
The collection agency sent me a copy of my agreement with another company that I had agreed to services for. 
This was YEARS ago and I am trying to remember all this as I don't even know where to look for any paper work as this was resolved and removed years ago. The original company did not respond or maybe the line was disconnected?? The alarm system had stopped working. I got a bill, called the new company and they said they would send someone out to fix it and set me up with service. No one showed. I told them this and after months they never managed to get someone out to fix the system or set me up with service. I told asked XXXX to show me a copy of any contract I have with them and they don't have one so they dropped my negative report on my credit report YEARS ago. I have no contract with XXXX. They never provided service to my former home. They have had their claim dismissed once before by all XXXX credit bureaus. I am tired of being harassed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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 formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
On XX/XX/year> an employment verification form was sent to my employer, I have a copy of the form. I did not authorize this and it could have lost me my contract for next school year. I called XXXX XXXX, who sent the verification, and they said PRA had authorized the form to be sent. I called Portfolio Recovery Associates they denied sending the form and refused to discuss anything other than payment. I told the explicitly they are not to contact my employer for any reason. I never give companies permission to contact my employer because of situations like this. This form called into question my employment for the following school year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: WV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: CA

Complaint narrative:
i did not open these accounts please remove under set 605 b

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX  XXXX, XXXX, based on their deceptive mortgage servicing practices and the inaccurate reporting of a 30-day late payment, despite my proactive efforts to remain in good standing. 


Background : In XX/XX/year>, my home in XXXX sustained significant damage during a tropical storm. XXXX XXXX  granted me a forbearance covering XXXX, XXXX, and XXXX. In early XXXX, following additional damage caused by Hurricane Beryl, I contacted XXXX to request an extension of the forbearance. I was informed that no extension could be granted until the existing period expired. 

On XX/XX/year>, I called XXXX to confirm what was needed to bring my account current. I was told I would need to make two payments. On XX/XX/year>, I called again to clarify what was required to avoid a 30-day late mark. A representative informed me that if I paid approximately {$2100.00}, I would not be reported late. Based on that assurance, I submitted the payment immediately and was transitioned into a disaster assistance plan. 

Despite this, on XX/XX/XXXX, I discovered that XXXX had reported a 30-day late payment for XXXX directly contradicting what I had been told. When I raised the issue, I was denied a full explanation or resolution. I specifically requested the transcript or audio recording of the XX/XX/XXXX call, during which I was assured there would be no credit impact. Instead of fulfilling that request, XXXX only provided a written summary from their perspective, which omits key assurances I received during the conversation. 


Key Issues : Misleading verbal representations made by XXXX Mortgage representatives Breach of trust and transparency, especially during a disaster recovery situation Refusal to provide requested evidence ( call recording or transcript ) Inaccurate and damaging credit reporting, resulting in hardship and denial of financial opportunities Failure to correct the issue, despite multiple escalations and involvement of legal counsel Requested Action : A formal investigation into XXXX XXXX  's conduct during forbearance transitions and credit reporting Immediate removal of the inaccurately reported 30-day late payment Policy review regarding how XXXX handles XXXX relief communication and customer assurances I have retained counsel to assist with this matter, though I am submitting this complaint independently at this time. I am also preparing to file additional complaints with the Consumer Financial Protection Bureau and credit bureaus, as well as explore any further legal remedies available to me under state and federal 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 2025-04-10 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 am submitting this formal complaint regarding XXXX XXXX XXXX, XXXX, based on their deceptive mortgage servicing practices and the inaccurate reporting of a 30-day late payment, despite my proactive efforts to remain in good standing. 


Background : In XX/XX/year>, my home in XXXX sustained significant damage during a tropical storm. XXXX Mortgage granted me a forbearance covering XXXX, XXXX, and XXXX. In early XXXX, following additional damage caused by Hurricane Beryl, I contacted XXXX to request an extension of the forbearance. I was informed that no extension could be granted until the existing period expired. 

On XX/XX/year>, I called XXXX to confirm what was needed to bring my account current. I was told I would need to make two payments. On XX/XX/year>, I called again to clarify what was required to avoid a 30-day late mark. A representative informed me that if I paid approximately {$2100.00}, I would not be reported late. Based on that assurance, I submitted the payment immediately and was transitioned into a disaster assistance plan. 

Despite this, on XX/XX/XXXX, I discovered that XXXX had reported a 30-day late payment for XXXX directly contradicting what I had been told. When I raised the issue, I was denied a full explanation or resolution. I specifically requested the transcript or audio recording of the XX/XX/XXXX call, during which I was assured there would be no credit impact. Instead of fulfilling that request, XXXX only provided a written summary from their perspective, which omits key assurances I received during the conversation. 


Key Issues : Misleading verbal representations made by XXXX Mortgage representatives Breach of trust and transparency, especially during a disaster recovery situation Refusal to provide requested evidence ( call recording or transcript ) Inaccurate and damaging credit reporting, resulting in hardship and denial of financial opportunities Failure to correct the issue, despite multiple escalations and involvement of legal counsel Requested Action : A formal investigation into XXXX Mortgage 's conduct during forbearance transitions and credit reporting Immediate removal of the inaccurately reported 30-day late payment Policy review regarding how XXXX handles XXXX relief communication and customer assurances I have retained counsel to assist with this matter, though I am submitting this complaint independently at this time. I am also preparing to file additional complaints with the Consumer Financial Protection Bureau and credit bureaus, as well as explore any further legal remedies available to me under state and federal 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 non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this formal complaint regarding XXXX XXXX  XXXX, XXXX, based on their deceptive mortgage servicing practices and the inaccurate reporting of a 30-day late payment, despite my proactive efforts to remain in good standing. 


Background : In XX/XX/year>, my home in XXXX sustained significant damage during a tropical storm. XXXX XXXX granted me a forbearance covering XXXX, XXXX, and XXXX. In early XXXX, following additional damage caused by Hurricane Beryl, I contacted XXXX to request an extension of the forbearance. I was informed that no extension could be granted until the existing period expired. 

On XX/XX/year>, I called XXXX to confirm what was needed to bring my account current. I was told I would need to make two payments. On XX/XX/year>, I called again to clarify what was required to avoid a 30-day late mark. A representative informed me that if I paid approximately {$2100.00}, I would not be reported late. Based on that assurance, I submitted the payment immediately and was transitioned into a disaster assistance plan. 

Despite this, on XX/XX/XXXX, I discovered that XXXX had reported a 30-day late payment for XXXX directly contradicting what I had been told. When I raised the issue, I was denied a full explanation or resolution. I specifically requested the transcript or audio recording of the XX/XX/XXXX call, during which I was assured there would be no credit impact. Instead of fulfilling that request, XXXX only provided a written summary from their perspective, which omits key assurances I received during the conversation. 


Key Issues : Misleading verbal representations made by XXXXXXXX XXXX representatives Breach of trust and transparency, especially during a disaster recovery situation Refusal to provide requested evidence ( call recording or transcript ) Inaccurate and damaging credit reporting, resulting in hardship and denial of financial opportunities Failure to correct the issue, despite multiple escalations and involvement of legal counsel Requested Action : A formal investigation into XXXX XXXX  's conduct during forbearance transitions and credit reporting Immediate removal of the inaccurately reported 30-day late payment Policy review regarding how XXXX handles disaster relief communication and customer assurances I have retained counsel to assist with this matter, though I am submitting this complaint independently at this time. I am also preparing to file additional complaints with the Consumer Financial Protection Bureau and credit bureaus, as well as explore any further legal remedies available to me under state and federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Retail Merchants Associates
State: AR

Complaint narrative:
XXXX XXXX I received a letter saying I had debt. I was unaware of any debt with this company. I never received any mail or email. I tried contacting the debt collector but they do not answer the phone nor emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: AR

Complaint narrative:
Chime closed my credit builder account but took almost a year to return my funds from that account. Waiting on word of class action settlement but can't get answers. They have lied to me repeatedly about the matter!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-10 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-10 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: FL

Complaint narrative:
Equifax has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. 
The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law and my rights as a consumer. 
Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

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 2025-04-10 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: NJ

Complaint narrative:
1st this account was deleted and reinstated with notifying me 2. I disputed the payment history, sent them a copy of my payment history from my Equifax report highlighting the inaccuracies.

3 they said the account came back verified, but when I pulled the payment history again somehow they ( Equifax ) or the creditor removed the entire payment history, which is impossible and in accurate, which means Equifax did not do a proper re-investigation or investigate it properly the 1st time..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-10 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: PA

Complaint narrative:
On XX/XX/year>. I requested all the bureaus response to the following information that uploaded below. As of today, it has been over 30 days, and there has been no response as of XX/XX/year>.

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