vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: DISCOVER BANK
State: PR

Complaint narrative:
On XX/XX/scrub> 2025, I contacted Discover to inquire about a personal loan. I clearly told the agent that I was not ready to proceed with an application and only wanted to receive information. The agent explained that I would receive details and go through a final review stage before officially accepting or proceeding, which led me to believe that no hard credit inquiry would occur unless I explicitly agreed. 

Despite that, I found out the same day that Discover had placed a hard inquiry on my credit report. I called immediately to dispute it. A supervisor acknowledged that the agents wording may have been misleading, submitted a case on my behalf, and said a request would be made to remove the inquiry. He also stated the agent would receive coaching.

While I appreciate the response, Im concerned that the inquiry may remain on my credit report and impact my score, even though I never gave informed or explicit consent for the credit pull. 

I am requesting that the hard inquiry be removed from all credit bureaus and that this type of misleading communication be addressed to prevent it from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-30 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: VA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-01 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: WA

Complaint narrative:
b'I called Equifax last thursday and could not get a human. today i spoke to two people, XXXX  and XXXX. They have all the prior information and the file is not updated. My confirmation # XXXX XXXX XXXX for the service request. She sent out a report that will supposedly reach me by XXXX  days but it will have the wrong information on it.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: INTERNAL CREDIT SYSTEMS, INC
State: IN

Complaint narrative:
This man with the phone number of XXXX named XXXX from internal credit system called asked if I remember get fit I responded and he proceeded to not let me speak as to what is going on that I could pay over the weekend and not today and he kept yelling at me that he did not care, again not letting me get a word in. Mind you he did not mention to me that I was on a recorded line like he is supposed to do. I tried to call back to complain then my phone disconnected so I called back later because I got a letter saying I owe {$120.00} which is absolutely XXXX XXXX because I have called the gym and I owe {$29.00}! Which I was going to pay off once I got the money. The guy continues on the call to not let me speak when I am repeatedly saying he needs to give me validation of this debt because I have not got anything other that what I owe. I have not got any proof that he has authority to collect, I do not have proof of what I have signed. And the gym that charged me keeps charging me money after Ive payed everything they told me I needed to pay and will refuse to tell me what the rest is for. This collector was completely how of line with the way he was screaming at me to pay the right then and there and not giving me the information he is supposed to by law ( I do have a recording of it as well as a voicemail he sent before I called back just to be screamed at ) if this is not taken care of I will file a law suit for harassment! I XXXX also sending out a validation for which I doubt will be done for the fact that I was ignored! It will not let me attach the the video so if you need the video evidence email me at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX & XXXX ( ORIGINAL CREDITOR XXXX XXXX ) - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$320.00} XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX  ) - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/year>, Balance : {$870.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Account XXXX # XXXX Im unaware of this debt and did not have the opporunity to dispute this account. If you believe you sent proper notification, please provide 'Certified Mail ' with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Benht: Economic Development Corporation
State: OH

Complaint narrative:
I am filing a formal complaint against XXXX XXXX regarding a loan I took out in Ohio. I originally borrowed {$2000.00} and, as of XX/XX/year>, I have repaid {$3300.00} more than {$1300.00} over the original amount. Despite this, XXXX XXXX continues to claim I still owe a balance. 

I sent a written dispute citing Ohio Revised Code XXXX et seq., which caps XXXX at 28 %. XXXX XXXX is charging interest well above this limit, making the agreement unenforceable under Ohio law. 

I also revoked authorization for ACH withdrawals under the Electronic Fund Transfer Act, which they acknowledged yet they have not responded to my request for written confirmation of account closure. 

Additionally, my online account shows a payoff amount that is thousands of dollars higher than what I actually owe. I previously contacted XXXX XXXX about this error and was told it would be corrected, but it has not been. I have retained screenshots as documentation of this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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:
After reviewing my credit report, I found multiple accounts that I did not authorize or open. These unauthorized accounts have been affecting my efforts to secure a home for my family. I kindly ask for the immediate removal of these fraudulent accounts 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 2025-06-30 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
For the past XXXX XXXX, Citizens Bank has been deducting {$9.00} per month from a XXXX XXXX XXXX  ACCOUNT. I have XXXX direct deposits into another account, and the bank will not send me my money - I am XXXX and can not go into the bank - and they will not transfer the money into my saving account as I requested. 

The XXXX XXXX XXXX  account was an inappropriate account to set up for me, considering the fact that I don't have any direct deposit into that account. 

I asked the bank to refund {$170.00}, and they refused. I want my money to be transferred into my savings account or a check sent to me for the entire balance, {$1400.00}. I am bedridden and can not go into the bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: NC

Complaint narrative:
To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-06-30 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
In XXXX, XXXX XXXX XXXX XXXX XXXX XXXX necessary dental work on a right side molar. XXXX XXXX ' staff - XXXX XXXX - installed a crown. I used their credit services for payment - XXXX XXXX. The crown was not placed properly. I went back several times to have XXXX XXXX adjust the crown. XXXX XXXX admitted that the crown was not placed correctly and now it required a root canal. i had to go to another dentist and have the tooth extracted. XXXX XXXX ' entire office was aware that the crown was misplaced, that I had to have the tooth extracted, and that I was not going to pay for the crown since it caused me all of these problems. XXXX XXXX sold the debt to Midland Credit who is reporting the medical debt to credit agencies, and it has hurt my XXXX XXXX. Midland Credit has also sued me in XXXX XXXX XXXX XXXX. We have a trial date in XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Hello, I am writing to formally file a complaint against XXXX Chase Bank for what I believe to be an unreasonable and damaging delay in releasing deposited funds into my business account. 

As a business owner, I receive monthly check payments exceeding {$100000.00} from repeat customers. These are legitimate, recurring payments from reputable companies. Despite this, XXXX has placed 12-business-day holds on several of these deposits even though the funds leave the customers bank account within 12 days of the deposit. 

This practice not only contradicts the intent of Regulation CC ( which governs reasonable availability of funds ) but severely impacts my companys ability to manage payroll, pay vendors, and operate effectively. I have confirmed that : The payer 's funds cleared and were withdrawn within XXXX hours. 

The check was deposited in person into my XXXX business account. 

XXXX refuses to expedite or release the hold, citing only internal policy without justification. 

Despite escalating this matter through the branch and business customer support, I have not received any resolution or policy transparency. 

I respectfully request that the Consumer Financial Protection Bureau : Investigate Chases deposit hold policy for large commercial checks. 

Require XXXX to clearly explain the justification for lengthy holds when payer funds have cleared. 

Ensure XXXX complies with the spirit and letter of Regulation CC, which requires funds to be made available within a reasonable time. 

Attached are supporting documents including copies of deposit receipts, payer confirmations, and communication with XXXX representatives. 

Please let me know if any additional information is required. Thank you for your attention to this matter. 

Sincerely, Business owner

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: IA

Complaint narrative:
On XX/XX/year>, I submitted a written dispute to TransUnion requesting an investigation into multiple inaccurate accounts being reported on my credit file. These included accounts from XXXX XXXX XXXX, The XXXX XXXX XXXX, and a third-party agency tied to XXXX XXXX XXXX XXXX I stated that I do not recognize these accounts, do not acknowledge legal responsibility, and requested that they be verified or removed under the Fair Credit Reporting Act ( FCRA ), Section 611.

I included supporting documentation ( credit report screenshots ) and requested that TransUnion forward the dispute to the data furnishers, investigate, and respond in writing within the required 30-day window. After realizing I did not include proper ID verification in my original mailing, I resent the dispute with all required documentation and a copy of my government-issued ID and proof of address.

As of now, I am still waiting on confirmation or a proper response. Im submitting this complaint to ensure my dispute is processed in full compliance with the FCRA and to prevent further delays.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX, I sent a certified debt validation letter to Midland Credit Management regarding a {$1700.00} collection account originally from XXXX XXXXXXXX XXXX They received my letter on XX/XX/XXXX, but they have failed to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Despite not validating the debt, Midland Credit Management is still reported this account to the credit bureaus on the XXXX of XXXX. Then they recently updated the balance date on XX/XX/year>, causing a significant drop in my credit score. This appears to be re-aging of the debt, which is illegal under the Fair Credit Reporting Act ( FCRA ) if done to mislead or extend the reporting period. This account is negatively impacting my credit score dropping it by 56 poin
ts and Midland has provided no evidence that this debt is valid or legally collectible.

I am requesting that this account be immediately removed from all credit reporting agencies due to lack of validation and improper credit reporting activity.

Company response to consumer: Closed with explanation