vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am not able to login to my Experian account to correct false email and phone number created by an illegal use of my personal information found criminally online. I have been forced to freeze and place credit alerts on all of my credit accounts. The company will not help me to correct the false email and phone number. The hacker can now use my Experian account to create false online accounts or borrow money in my name even though it was due to the faulty verification systems of Experian at the time of the original hack. I have submitted paperwork three times as per their instructions to prove my identity and now they are requesting this information again. They are not correcting my problem by repeatedly requesting my proof of identity.

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 2025-11-09 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent a Debt Validation Request to Jefferson Capital Systems LLC on XX/XX/year>, via USPS Certified Mail, requesting full validation of an alleged debt under FDCPA 1692g ( b ). According to USPS tracking, the letter was delivered on XX/XX/year>. The company has 30 days from receipt to provide the requested documentation. I am submitting this complaint to formally document my dispute and to ensure my rights are protected while waiting for their response. I am requesting that no collection activity or credit reporting occur until the validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I am an elderly and XXXX veteran. American Express froze my account under a " Responsible Lending Action '' review even though it is current and not over the limit. Two representatives stated that if I paid {$900.00}, the account would be reinstated. They said an email notice was sent on XX/XX/year>, but no message was received. 

On XX/XX/year>, American Express confirmed in writing that the account is current but refused to confirm whether the {$900.00} is contractually required. They insisted on a phone call despite being told phone communication is inaccessible due to a XXXX. 

This appears to violate the XXXX XXXX XXXX ( failure to accomodate ), ECOA ( Reg B adverse-action notice ), as well as various laws in effect in the State of South Carolina , and may constitute an unfair or deceptive practice. I request written clarification, restoration of normal account access and credit line, additional damages caused by this inconvenience, and confirmation that no negative credit reporting will occur while under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Credit Management , Inc. ( MCM ) is attempting to collect and report an alleged debt originally associated with XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX. The current balance reported by MCM is {$12000.00}, but the account information provided by MCM and XXXX Bank is inconsistent across XXXX XXXX XXXX XXXX 

Each CRA lists different data for this account, including : Date Opened Date of Last Payment Date Last Reported Date of Default Comments/ Payment Status I have never had an account directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed this account in writing with MCM and all three CRAs. My disputes were sent via Certified Mail, and I have signed XXXX XXXX XXXX receipts confirming delivery. 

Despite this, XXXX continues to report and attempt to collect without providing any validation, violating 15 U.S.C. 1692g ( b ) and 15 U.S.C. 1681s-2 ( b ). MCM also sent Pre-Legal Notice letters threatening referral to a Maryland attorney, which gives the false impression of imminent litigation in violation of 15 U.S.C. 1692e ( 5 ). 

These actions have caused harm to my creditworthiness and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
CFPB Complaint XXXX XXXX XXXX Subject : Reporting of discharged account after bankruptcy removal inaccurate and unverifiable information Summary of Complaint : I am submitting this complaint because XXXX XXXX XXXX continues to report an account that was included in bankruptcy and is now closed, even though the bankruptcy itself has been deleted from my credit report.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) and 605 ( a ) ( 1 ), a credit bureau may not continue to report accounts connected to a deleted or unverifiable bankruptcy record. Since the bankruptcy was removed, the associated account should no longer show as active, negative, or delinquent yet it remains listed with inconsistent information and unverifiable payment data.

Details of Account : Creditor : XXXX XXXX XXXX  Type : Unsecured Loan Opened : XX/XX/XXXX Closed : XX/XX/XXXX ( Closed through bankruptcy ) Balance : {$0.00} Last Payment : XX/XX/XXXX Reported Status : Closed, {$0.00} balance, but showing inconsistent payment data ( 34 % on-time payments, etc. ) Bankruptcy Case : Filed and discharged ( now removed from all credit reports ) Violations and Issues : 1. Unverifiable reporting : Since my bankruptcy has been removed, there is no verified source or permissible purpose for this account to continue reporting as closed through bankruptcy.

2. Inaccurate reporting : The account history does not match the bankruptcy discharge or accurate payment record ( showing 34 % on-time payments with no late data ).

3. FCRA 611 ( a ) : Failure to reinvestigate and delete unverifiable data.

4. FCRA 604 ( a ) : No permissible purpose to continue furnishing this data post-bankruptcy deletion.

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 2025-11-09 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: GA

Complaint narrative:
Absolute Resolutions I is illegally re-aging a previously removed XXXX XXXX XXXX XXXX account. 

The original Date of First Delinquency was in XXXX, and the account aged off my credit reports in XXXX as required under FCRA 605 ( a ) ( 7-year reporting limit ). 

I have documentation showing the original XXXX XXXX account was deleted from my reports ( attached ). 

However, Absolute Resolutions is now reporting a new Date Opened of XX/XX/XXXX, which is false and constitutes illegal re-aging, in violation of : FCRA 605 ( a ) reporting time limit FCRA 623 ( a ) ( 5 ) failure to report correct Date of First Delinquency FDCPA 807 ( 2 ) ( A ) misrepresentation of the legal status of a debt I am requesting immediate deletion of this account from all consumer reporting agencies.

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 2025-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Trustly, Inc.
State: AR

Complaint narrative:
A ) Product : Money transfers/ virtual currency / payments Company : Trustly Issue ( narrative ) : On XX/XX/2025, I redeemed {$100.00} at XXXX XXXX XXXX after XXXX and playthrough. Rather than pay me, Trustly/XXXX XXXX XXXX attempted two unauthorized {$19.00} debits on XX/XX/XXXX and XX/XX/2025 ( blocked by my bank ). XXXX  XXXX XXXX then repeatedly changed payout terms retroactively, failed my redemption at 30 days claiming my bank blocked them, forced resubmission, then failed again and reset the clock to 90 business days. I have screenshots of my deposit, agent acknowledgment, XXXX completion, redemption, attempted debits, and their terms. I am seeking the {$100.00} payout and confirmation that no further unauthorized transactions will be attempted.

Requested resolution : Immediate disbursement of {$100.00} Written assurance to cease unauthorized debit attempts Explanation of failures and retroactive term changes -- - B ) Product : Debt collection Company : InDebted ( collector ) Original creditor referenced : Trustly/ XXXX XXXX XXXX Issue ( narrative ) : On XX/XX/2025, I received a debt collection email from InDebted attempting to collect {$19.00} on behalf of XXXX/The Money Factory . This debt arose from blocked, unauthorized debit attempts ( XX/XX/XXXX & XXXX, XXXX  ). I dispute this debt in full. I have the email showing FDCPA disclosures and reference details. I request CFPB require the collector to cease communication, validate or delete, and close the account, and require the original parties to withdraw the debt from collections and confirm no credit bureau reporting has occurred.

Requested resolution : Close the collection as invalid ; provide written confirmation No credit reporting ; remove any entries if made Notice to TrustlyXXXX XXXX XXXX to cease referring false debts

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a little over {$440000.00} in my checking account and Bank of America suddenly closed it and I havent received my funds and Im worried about making sure theyre sent to me properly

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-09 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX  # XXXX XX/XX/XXXX XXXX {$0.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KAHRS LAW OFFICES, PA
State: GA

Complaint narrative:
On XX/XX/XXXX, I received notice by mail from my current employer that my wages were being garnished for an alleged debt from XXXX to XXXX XXXX XXXX in XXXX, Kansas. I immediately contacted the law office handling the collection and explained that I had canceled my membership before leaving Kansas, and was told at that time that the cancellation was complete. 

I never received any prior notice of this lawsuit and was unaware that a judgment had been entered against me. I filed a Motion to Vacate and requested a video hearing due to financial hardship and inability to travel to Kansas. The court granted my request and held the hearing on XX/XX/XXXX. 

During the hearing, I was unable to see the judge or the attorney due to video issues on their end, although they were able to see me. The judge instructed me to begin with my defense. I explained that the membership had been canceled and that I was never properly served notice of the lawsuit. The judge stated that someone named XXXX had signed for the service, but I do not know anyone by that name and did not authorize anyone to accept legal papers on my behalf. 

When I attempted to respond further, the judge told me to remain silent and quickly denied my motion to stop the garnishment. The proceeding felt one-sided and unfair, as my statements were not considered and the video system did not function properly. 

A few days later, I received a letter from the attorney representing XXXX XXXX XXXX stating that the debt had been paid and that I owed a XXXX balance. This raises additional concern as to why my wages were garnished in the first place for a debt that is more than seven years old. 

I respectfully request that this matter be reviewed, that the garnishment be terminated, and that the judgment be vacated based on improper service, violation of due process, and the age of the alleged debt. That my garnish wages be retired to me.

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 2025-11-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. BANCORP
State: AZ

Complaint narrative:
On XX/XX/XXXX ( XX/XX/XXXX ) I made a credit card payment of {$50.00} to US Bank. I made it a week and a half early because I have auto pay turned off. Once again, auto pay is off. Today is the day my statement renews for the month and they took another {$50.00} with autopay turned off. I did not authorize this payment. It has put my account into overdraw. It isnt labeled Credit Card Payment like it normally would be, and this amount has not gone back on my available credit. They told me that I must have cancelled the XX/XX/XXXX payment and that this back-payment would take about 2 weeks. US Bank took money from me without my authorization.

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 2025-11-09 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I have had multiple issues with this bank. I was offered a partial refund for dental work not completed in XX/XX/year>. Bread Financial/Comenity/XXXX  XXXX claims they gave me credit for this but I do not see any evidence of this. As it was a refund for work not completed and should never have been charged, it should not be subject to interest and fees. There is no evidence that they gave me credit as it is not listed in payments or reflected on the balance. They are reporting the account as late despite making payments every month other than the time it was supposed to be under investigation. They did not complete the investigation because the dentist confessed I was owed an additional XXXX. If they had truly investigated they would have discovered this. I have not signed the agreement as the credit company has not been honest about applying previous credit. 
They also rely on the confusion of who is responsible. There are multiple entities associated with the account. XXXX XXXX, COMENITY BANK, BREAD FINANCIAL. 
I have attached proof of payments for the past year. Unfortunately I can not see the payments over XXXX. Note there was only a gap while under investigation. They had reversed lates on my credit report but have recently started applying late charges and reporting latest to the credit bureaus out of nowhere. Also note there is no credit for the {$2500.00}. It is also not reflected in the balance just in case they claim it was not a payment. 
I have also attached screenshots of what should have been charged and proof the dentist admitted the ledger was inaccurate and I was owed {$6500.00} in total

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-09 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: CA

Complaint narrative:
I am filing this complaint against Equifax for continuing to report an inaccurate and unverified charge-off that has not been properly validated or corrected, despite previous written disputes and reinvestigation requests. The account in question is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$360.00} * * This account is being reported as a charge-off, yet Equifax and the furnisher have failed to produce any verifiable documentation to substantiate this claim. I have made multiple attempts to have this information verified through the appropriate channels, and each time, Equifax simply verified it without providing any tangible evidence or detailed explanation regarding how such verification was performed. 

Under 15 U.S.C. 1681 and FCRA Section 623 ( a ), Equifax is required to ensure that every item on a consumers credit report is reported accurately, fairly, and with complete verification. If the furnisher can not provide proper documentation confirming the charge-offsuch as account statements, payment histories, or original creditor communicationsthen Equifax has no legal basis to continue publishing this derogatory information. 

This inaccurate charge-off has caused unnecessary and ongoing damage to my credit reputation. It falsely portrays me as having defaulted on an obligation, which is not supported by any verifiable documentation. The presence of this item has also resulted in denials of credit and higher interest ratesfinancial consequences that stem directly from Equifaxs failure to uphold its duty under the FCRA to report only substantiated information.

Equifaxs reinvestigation process has also failed to meet the reasonable reinvestigation standard required by the FCRA. Instead of obtaining direct confirmation and documentation from the furnisher, Equifax appears to have relied solely on automated data exchanges that recycle the same unverified information back to the consumer as verified. That practice is not lawful complianceits negligence and willful disregard for the accuracy of consumer data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Borrower deceased but no one knew, once determined borrower deceased only heir identified XXXX XXXX military. Foreclosure stopped and scra protection placed according to foreclosure attorney. PNC mortgage however has failed to place protection. Uncooperative and transferred everywhere instead of doing due diligence. Mortgage balance went from {$29000.00} to over {$62000.00} in little over a year. Property preservation entered home and removed all assets from home and garage. Trumped up bills etc for property preservation that was not even done. They claim in foreclosure although attorney claims it was stopped and they no longer handling it because of scra protection. Can't any help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-09 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

UNAUTHORIZED INQUIRIES : XXXX XXXX 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