vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-20 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: NY

Complaint narrative:
Dear Sir or Madam It is Sunday XX/XX/year>. I've been perplexed with me continuosly being denied XXXX with the Companies I applied to, pointing to Experian as the reporting XXXX. 
I've had problems with this XXXX in the past, and made it clear to them that they have a monopoly on credit reporting in the XXXX. I also made it clear that the least they could do is accurately report consumers credit information accurately and fairly. 
I was a bit upset because number XXXX, they have a service called Experian XXXX which is supposed to give the consumer a XXXX  in their XXXX XXXX based on their qualified bills that are paid each month. I called them with calls made over a month, pointing to the fact that the bills I pay each XXXX weren't being reflected in Experian XXXX. I have every XXXX XXXX, XXXX in all that I pay each Month but for some unknown reason, they're not reported in XXXX even though they're listed in my XXXXXXXX XXXX. I have cell phone bills, XXXX in all that I pay which are not included, they simply list the XXXX. This is XXXX reason my score does not advance. 
Reason number XXXX. I gave a good and thorough check of my Credit Report today, and was surprised to find that I had many accounts stating closed, even though the files stated Closed and Never Late, resulting in a low credit history and score. These are records needed to fairly give me an accurate Credit Score. When I say many record, I stopped counting after XXXX, which is a substantial amount not to be considered in my score. 
I don't like jumping to conclusions, but what else am I supposed to think, other than maliciousness. 
Im sure this XXXX has tried to do harm to me financially, and for the most part, have succeeded thus far. 
Please help me CFPB. I've turned to you before for help. This is most serious. 
Thanks much and XXXXXXXX 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 2025-07-20 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:
b'The Consumer Financial Protection Bureau (CFPB) determined that Equifax violated multiple provisions of the Fair Credit Reporting Act (FCRA). Below are the specific legal violations:\nLaw/Provision\nViolation Description\n15 U.S. Code  1681i  Reinvestigation of Disputed Information\nEquifax failed to conduct reasonable reinvestigations of consumer disputes.\n15 U.S. Code  1681e(b)  Accuracy of Consumer Reports\nEquifax failed to follow reasonable procedures to assure maximum possible accuracy of information.\n15 U.S. Code  1681c2  Blocking of Information Resulting from Identity Theft\nEquifax failed to block information in cases of identity theft.\n15 U.S. Code  1681i(a)(6)  Notice to Consumers of Results of Reinvestigation\nEquifax sent confusing or contradictory letters, failing to clearly report the results of reinvestigations.\nGeneral FCRA Compliance\nEquifax used flawed systems and coding errors that led to inaccurate reporting and misrepresentation of consumer dataXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTo:\n Equifax Information Services LLC\n XXXX XXXX XXXX XXXX XXXX XXXX\n\nSubject: Formal Dispute of Inaccurate Reporting and Notification of Rights Under the Fair Credit Reporting Act\nDear Equifax,\nI am writing to formally dispute inaccurate and/or misrepresented information on my credit report. I am also asserting my rights as a victim under the same federal laws that you were found to have violated by the Consumer Financial Protection Bureau (CFPB) on record.\nIn their findings, the CFPB determined that Equifax violated the Fair Credit Reporting Act (FCRA), including the following sections:\n15 U.S.C.  1681i  Failure to conduct reasonable reinvestigations.\n\n\n15 U.S.C.  1681e(b)  Failure to ensure maximum possible accuracy.\n\n\n15 U.S.C.  1681c2  Failure to block identity theft-related information.\n\n\n15 U.S.C.  1681i(a)(6)  Failure to provide clear dispute resolution notices.\n\n\nAs a consumer, I believe I have suffered from the same unlawful practices and demand immediate investigation and correction of the accounts listed belowXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXRequested Actions:\nConduct a full reinvestigation in compliance with 15 U.S.C.  1681i.\n\n\nRemove or correct any inaccurate or unverifiable information.\n\n\nProvide me with a copy of the updated report.\n\n\nBlock any information that is the result of identity theft.\n\n\nCease reporting of duplicate or previously corrected accounts.\n\n\nAs a victim of the same violations identified by the CFPB in your XXXX XXXX penalty settlement, I reserve my rights under the FCRA and demand full compliance.\nSincerely,\nXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing to formally dispute the validity of the above-referenced debt alleged to be owed to Jefferson Capital Systems , LLC. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I hereby request that you cease all collection activity and provide full validation of the alleged debt. 
I do not acknowledge or accept any responsibility or liability for this alleged debt, and until such time as you provide complete validation, you are not permitted to continue reporting this account to the credit bureaus under the FDCPA. 
This validation must include : XXXX. A complete accounting of the alleged balance, including a breakdown of the principal, interest, fees, and other charges. 
XXXX. A copy of the original contract or agreement bearing my signature that legally binds me to the alleged financial obligation. 
XXXX. All assignments of ownership or chain of title, establishing an unbroken transfer from the original creditor to Jefferson Capital Systems, as required under federal and state law. 
XXXX. The name and address associated with this alleged account at the time it was incurred. 
XXXX. The full name and last XXXX digits of the Social Security number on file to verify identity and confirm this debt pertains to me. 
Without this documentation, your claim remains unsubstantiated and legally unenforceable. Furthermore, continued reporting of unverifiable and potentially inaccurate information to any consumer reporting agency is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) and may subject your company to civil liability under 15 U.S.C. 1681n and 1681o.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Fees charged
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
I am filing a formal complaint regarding Freedom Mortgage due to a pattern of misconduct, poor servicing, and deceptive practices since they acquired my mortgage from XXXX XXXX  in XX/XX/2024. 
1. Blocked Account Access for 8 Months Since the transfer, I was unable to create or access my online account for eight consecutive months. Despite contacting Freedom repeatedly and following their instructions, the issue was never resolved. As a result, I was forced to mail my monthly mortgage payments by check. 
XXXX. Check Holding and Late Fees Although I mailed checks at the beginning of each month, Freedom routinely waited until the XXXX or later to deposit them, then charged late fees. This has happened consistently, forcing me to mail checks earlier and earlier ( currently on the XXXX of the previous month ) just to avoid being penalized. Ive paid many of these fees just to avoid further issues, despite believing them to be completely unjustified. 
XXXX. Escrow and Tax Payment Misinformation When my property taxes increased earlier this year, I called Freedom Mortgage to clarify when the new payment would take effect. A representative, on a recorded line, instructed me to continue making the original payment in XXXXwhich turned out to be incorrect. As a result, I was charged yet another late fee and penalized again for following their direct guidance. 
XXXX Credit Damage and Foreclosure Threats Despite having sent every payment, and even paying the disputed late fees, Freedom has negatively reported to credit agencies, resulting in drops to both my credit score and my pregnant wifes credit score. We are now being threatened with foreclosure, adding immense and unnecessary emotional stress during what should be a joyful and protected time in our lives.

________________________________________ What I Am Requesting : A refund of all unjust late fees tied to delayed check processing and misleading guidance.

Correction of all credit reporting errors tied to these servicing failures.

Immediate cessation of foreclosure threats and harassment. 
Enforcement of any applicable penalties or regulatory action if wrongdoing is confirmed. 
This experience has been emotionally and financially harmful. I simply want to make my payments on time and care for my growing family in peaceyet Freedom Mortgage has made that extraordinarily difficult. 
Thank you for your time and attention to this matter.

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 2025-07-20 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 submitting this complaint against XXXX XXXX  regarding my XXXX XXXX account. My account was closed without prior warning, notification, or valid justification, and it has negatively impacted my credit report. I was completely blindsided by this closure. 

On Friday, XX/XX/XXXX, I received an alert from XXXX XXXX that my XXXX XXXX account had been closed by the creditor and reported to the credit bureaus as a negative closed account. I did not receive any emails, phone calls, or physical letters from XXXX XXXX  informing me of any account issues or intent to close the account. 

XXXX XXXX states the account was closed on XX/XX/XXXX, but this is inaccurate and misleading. I was able to attempt a payment after XX/XX/XXXX, and I had access to the account without any indication that it was restricted, locked, or closed. XXXX later told me by phone that they mailed a closure letter on XX/XX/XXXX, and the Dispute Center now shows a closure date of XX/XX/XXXX. These inconsistent dates contradict what was reported to the bureaus. 

Furthermore, the account was allegedly closed due to two dishonored payments, which I was never informed about at the time they occurred. I have two accounts ( XXXX XXXX XXXX ) linked, and on occasion, I mistakenly used the XXXX  account which doesnt allow withdrawals causing failed transactions. However, I never received warnings, return notifications, or a final notice informing me that dishonored payments could lead to account closure. Had I been notified, I would have corrected it immediately. 

To make matters worse, there is a balance reporting discrepancy : XXXX reported to the bureaus that my account balance was {$460.00}, while the most recent email from them shows my balance as {$460.00}. This {$0.00} difference may seem small, but under the Fair Credit Reporting Act ( FCRA ), even minor inaccuracies must be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: CA

Complaint narrative:
I am submitting this complaint against XXXX XXXX regarding my XXXX XXXX account. My account was closed without prior warning, notification, or valid justification, and it has negatively impacted my credit report. I was completely blindsided by this closure. 

On Friday, XX/XX/XXXX, I received an alert from XXXX XXXX that my XXXX XXXX account had been closed by the creditor and reported to the credit bureaus as a negative closed account. I did not receive any emails, phone calls, or physical letters from XXXX XXXX  informing me of any account issues or intent to close the account. 

XXXX XXXX states the account was closed on XX/XX/XXXX, but this is inaccurate and misleading. I was able to attempt a payment after XX/XX/XXXX, and I had access to the account without any indication that it was restricted, locked, or closed. XXXX later told me by phone that they mailed a closure letter on XX/XX/XXXX, and the Dispute Center now shows a closure date of XX/XX/XXXX. These inconsistent dates contradict what was reported to the bureaus. 

Furthermore, the account was allegedly closed due to two dishonored payments, which I was never informed about at the time they occurred. I have two accounts ( XXXX XXXX XXXX  ) linked, and on occasion, I mistakenly used the XXXX account which doesnt allow withdrawals causing failed transactions. However, I never received warnings, return notifications, or a final notice informing me that dishonored payments could lead to account closure. Had I been notified, I would have corrected it immediately. 

To make matters worse, there is a balance reporting discrepancy : XXXX reported to the bureaus that my account balance was {$460.00}, while the most recent email from them shows my balance as {$460.00}. This {$0.00} difference may seem small, but under the Fair Credit Reporting Act ( FCRA ), even minor inaccuracies must be corrected or 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 2025-07-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I have Bank of America XXXX XXXX Credit card. It allows me to choose XXXX XXXX reward category on purchases. I chose online purchase as the XXXX XXXX reward category, and made the purchase from XXXX, and spent XXXX on XX/XX/XXXX. However, Bank of America put the purchase in XXXX XXXX category instead. I called multiple times and got different answers each time. On XX/XX/XXXX, the rep told me they are going to fix it by XX/XX/XXXX the latest. When I called again on XX/XX/XXXX, a different rep told me that the purchase is categorized as retail instead of online and they can do nothing about it. I read the program rules later that day and found out that the purchase is clearly eligible for the online category. I called again on XX/XX/XXXX ; a different rep told me initially that the purchase belongs to sports category and not eligible. I told her that I read the rules and clearly the purchase is eligible as online purchase. The rep later told me that they will fix it but refuse to send me any confirmation and did not give me an expected resolution date.

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 2025-07-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The following personal information are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate. 

Incorrect Address - XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX - The following personal information is incorrect- The personal data reporting is inaccurate.

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 2025-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
Capio XXXX  put a negative on my credit, no calls or verifications

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: GA

Complaint narrative:
Im writing to dispute the XXXX XXXX XXXXXXXX account listed on my credit report. The way this account is being reported is inconsistent and inaccurate and thats a problem. 

The account shows different last activity dates depending on the bureau. 
The remarks dont match one says it was settled, another says it was paid in full for less than full balance, and another says as agreed.

The payment history percentages are completely different : 64 %, 60 %, and 90 %.

One bureau even shows it as collection/charge-off while another says as agreed. Thats contradictory.

This reporting violates my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), which requires all information on my credit report to be accurate and verifiable. The conflicting info across all three bureaus makes it clear this account isnt being reported correctly and that makes it unverifiable. It also doesnt follow Metro 2 credit reporting standards, which require the same account to be reported consistently.

Because of these issues, Im asking you to delete this XXXX XXXX XXXXXXXX account from my credit report entirely. 

Thank you for your time and quick attention to this. 

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 non-monetary relief
Consumer complaint received 2025-07-20 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: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
For account number XXXX to SOUTHWEST CREDIT SYSTEM, According to 15 USC1692c you have violated my rights by in lawful communications please remove this collection off of my credit report thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Please delete this misleading information, and supply a corrected credit profile to all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. 

XXXX  - XX/XX/XXXX - The following inquiry was not accurately on my report. 
XXXX  - XX/XX/XXXX - The following inquiry was not accurately on my report. 
XXXX  - XX/XX/XXXX - The following inquiry was not accurately on my report. 
XXXX  - XX/XX/XXXX - The following inquiry was not accurately on my report. 

The listed item is completely inaccurate and incomplete, and is a very serious error in 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 explanation
Consumer complaint received 2025-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
They called everyday and im jobless I told them I cant pay any money due to job loss and they keep calling me regardless of that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-20 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I had activated a pre-paid gift card from American Express on XX/XX/XXXX, and when I went to check the balance online I saw the entire balance was used for a company located in a different state than where I stay. I had called the gift card support and they had filed a dispute claim but I received no information on the company the gift card was allegedly used for. The customer support service could not provide any contact information and would not reimburse the money taken from the fraudulent charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-20 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: NC

Complaint narrative:
After going over my credit report I came many accounts that does not belong to me. I asked for a contract and was not provided. I will provide the accounts information in the attachments.

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