vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Debt validation letter was requested from bureau and they failed to provide requested information. Initial request was mailed on XX/XX/year> Creditor Name : XXXXXXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dispute this account for the following reasons : Lack of Verification : I demand that you, as a Credit Reporting Agency, verify the accuracy and completeness of all information associated with this account. I require original, verifiable documentation that demonstrates my legal obligation for this debt. This includes, but is not limited to, a copy of the original loan agreement with my signature, a full accounting ledger of the loan 's history, and proof that this debt is indeed mine. 

Unverifiable Information : I have reason to believe that the information being reported for this account may be inaccurate or incomplete. Specifically, I request verification of : The precise nature of my alleged involvement with this account. 

The original loan amount and current outstanding balance, including a detailed breakdown of principal, interest, fees, and payments made. 

The date of last activity and last payment. 

Proof that the account 's current status ( e.g., charge-off, past due ) is accurately reported based on documented payment history. 

Missing or Incorrect Information : My records do not fully align with the information presented on my credit report regarding this account. I require the furnisher, XXXX  XXXX XXXX, to provide comprehensive documentation to substantiate every reported data point. 

Demand for Investigation : Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, you are obligated to conduct a reasonable reinvestigation of disputed information. This investigation must include reviewing all relevant information provided by me and the furnisher. 

If the furnisher, XXXX XXXX  XXXX, can not provide complete and verifiable documentation to substantiate the accuracy and completeness of this account within the legal timeframe ( generally XXXX  days, or up to XXXX  days if you provide additional information during the initial XXXX  days ), this account must be deleted from my credit report. 

Please provide me with the results of your investigation in writing, along with a free copy of my updated credit report, within the statutory timeframe. 

I requested this information on XX/XX/year> - Please see original letter mailed to bureaus with proof of delivery, and they failed to properly investigate. I need this properly investigated and deleted within XXXX  days as this has been pending since XX/XX/year> and bureau listed as " updated '' without proper due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Bankruptcy
Company: Maximus Federal Services, Inc.
State: IA

Complaint narrative:
I had good credit until I became XXXX in XXXX of XXXX. I have not been able to pay any of my debts because I am XXXX and I have no income except {$140.00} a month pension to live on its been a nightmare my XXXX was approved and I was told that I won't be receiving any benefits for XXXX to XXXX  days.which I will be so grateful for how ever it is not helping me with my credit score. I am moving and I am not able to find a apartment that will except me with a XXXX credit score. I had no idea that being XXXX would cause me so much agony I lost my car and have defaulted on my credit cards I was always on time with my payments I just have no idea what to do and the stress is only exacerbated my physical health as well as my XXXX.. Please if you can help me or give me any advice I will be truly grateful. 
Please I need a decent place to live. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: NATIONAL DEBT RELIEF LLC
State: TX

Complaint narrative:
On XX/XX/year>, I contacted National Debt Relief to inquire about their program and how it worked. After signing up, I changed my mind and decided to cancel on Monday, XX/XX/year>. When I reached out to customer service, the representative transferred my call several times and convinced me to wait until XX/XX/XXXX to officially cancel. 

In the meantime, I started receiving numerous phone calls daily. On XX/XX/year>, I called again and spoke to a representative to officially cancel the program. After being transferred a couple of times, the representative finally processed my cancellation. To ensure clarity, I also sent a letter requesting cancellation. 

On XX/XX/year>, while reviewing my XXXX XXXX account, I discovered that my account had been suspended. I called to find out the issue, and the representative informed me that they had been notified I had enrolled in a debt relief program. However, I had not given National Debt Relief any funds, and I had requested to have until XX/XX/XXXX to decide whether I wanted to be a part of the program.

Fortunately, the representative removed the suspension from my account, but I now have to contact my other creditors to inform them that I am not part of a debt relief program.

The actions taken by National Debt Relief were a violation of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I did not give Midland Credit Management permission to access my credit report. I have no contract, account, or agreement with them, and I never authorized them to perform a hard or soft inquiry. This is a violation of the Fair Credit Reporting Act ( FCRA ). I am requesting a full investigation and removal of any unauthorized activity from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-26 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
In XX/XX/XXXX, while residing in New Jersey, my XXXX was flooded during a severe weather event and declared a total loss. At the time, I was unemployed and relying solely on my savings to meet basic living needs. My insurance company paid XXXX XXXX XXXX for the loss, but a balance remained : a {$2000.00} deductible and a {$600.00} deferred payment that I had pushed back during the COVID period due to hardship. 

Shortly after, I exhausted my savings and had to apply for government assistance to pay rent. A family member helped me cover essential needs like food and bills while I searched for work, but I was still unable to pay the remaining balance on my XXXX account. I struggled to find employment until XX/XX/XXXX, when I finally secured a job after relocating to Pennsylvania. 

Earlier in XXXX, I contacted BMWs debt resolution division to inform them of my situation. While they offered a settlement, I explained I still could not afford it at the time. I was doing everything I could to regain stability after nearly XXXX years of financial hardship. Despite this, on XX/XX/XXXX, XXXX XXXX XXXX their attorney XXXX XXXX XXXX of Weltman , Weinberg & XXXX XXXX, LPAfiled a lawsuit against me for the balance. 

After speaking to the XXXX XXXX court for guidance, I was advised to reach out to the plaintiff to try and settle. I called several times and eventually connected with a female representative on a recorded line. That conversation was deeply upsetting. She was combative, dismissive, and showed no empathy. Even after I explained that I wasnt refusing to pay but simply unable to make any payments at the moment, she insisted on an {$800.00} down payment and $ 300 monthly payments with interest. These demands are entirely unrealistic based on my current income and obligations. 

When I told her that agreeing to that plan would jeopardize my ability to pay for rent, food, and basic living needs, she responded by saying she didnt have to work with me at all and was basically doing me a favor. I found that tone unprofessional and cruel, especially given the serious nature of my financial hardship. It felt as though she had no concern for the fact that complying with her terms could leave me homeless.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-27 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: LA

Complaint narrative:
STATED THEY WAS GOING TO REMOVE INCORRECT INFORMATION IN XXXX HOUR SEVRAL TIMES NEVER DID TRANSUNION ALSO EXPERIAN THEY XXXX YOU IN YOUR FACE WHEN YOU MENTION YOUR CONSUMER LAWS INSTANTLY

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 2025-07-27 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: NY

Complaint narrative:
This is a follow up to the previous report to EQUIXFAX and TRANSUNION. I've attached the missing documentation. 

I recently reviewed my credit report and noticed an account that was not reporting accurately. I have XXXX late payments on a XXXX  XXXX XXXX account ( XXXX ) that was in fact paid on time. XXXX  shows on time payments and Transunion and Equifax do not. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. I've attached a copy of my report to this complaint on the following date ( XX/XX/year> ). I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
XX/XX/year> my account was closed after depositing an insurance claim check for XXXX on XX/XX/year>. The bank is withholding funds even after the check was cleared and it was verified with the insurance company. The bank is refusing to cooperate. With this check being deposited would give me a chance to redeem {$400.00} that was promised to me upon opening the account. I was told to drive to a branch which was XXXX hours away just to be turned around.

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 2025-07-27 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit report it is closed however it keeps revolving and showing that it is open and payments are still being made partial account number XXXX XXXX XXXX it is revolving it was in opened XXXX shows that it is still open and I have a credit limit of {$9700.00} incorrect all amount and it is closed. 
XXXX XXXX XXXX XXXX shows that the account is closed and is a charge off however it shows that it is open and payments are being paid account number XXXX incorrect information keeps revolving into different dates XXXX XXXX XXXX  shows an account number XXXX evolving saying that there are late fees never heard of this account and it's reporting that I pay balances on it untrue XXXX XXXX XXXX XXXX  saying that I'm late 120 days and never have opened that account. 
XXXX XXXX XXXX account number XXXX accounts supposedly been open XXXX but it keeps saying that I owe payments and I'm late never opened the account XXXX XXXX  account number XXXX shows evolving account but that I owe an account has been closed and then said they reported on XXXX of late payment untrue

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 2025-07-27 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: FL

Complaint narrative:
Summary ( dates ) : XX/XX/XXXX I disputed the XXXX XXXX XXXX credit-card tradeline ( acct XXXX XXXX XXXX XXXX XXXX ) with Experian for multiple inaccuracies. 
XXXX XX/XX/XXXX Experian closed the reinvestigation and marked the item Updated/Verified, but the errors remain. 

Remaining inaccuracies : Missing Date of First Delinquency ( DOFD ). The account shows 30-day late in XX/XX/XXXX and 60-day late in XX/XX/XXXX, yet no DOFD field is displayedrequired by FCRA 623 ( a ) ( 5 ).

Improper 30 60-day progression. Metro 2 rules require two consecutive missed cycles before a 60-day late is reported. Experian shows 30 immediately followed by 60.

Conflicting purge date. Experian states On record until XX/XX/XXXX, which implies a DOFD of XX/XX/XXXX. That contradicts Experians own first-late date of XX/XX/XXXX. 

Historical minimum-payment mismatch. Experian lists a {$6.00} contractual minimum for XXXX XXXX, while XXXX  and XXXX  list {$30.00} for the same months ( see attached cross-bureau table ). 

Contradictory furnisher responses. XXXX XXXX issued two opposite letters on XXXX XX/XX/XXXX : response1 ( no DOFD because account current ) and response2 ( delinquencies verified as accurate ). This shows an unreasonable investigation.

What I requested : Deletion or full correction to Metro 2 standards, including insertion of the correct DOFD and accurate payment-history sequence.

What Experian did : Marked the tradeline Updated but left all errors untouched.

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 2025-07-27 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: CITIBANK, N.A.
State: FL

Complaint narrative:
In XXXX, I have raised XXXX seaprate disputes with Citi, on a purchase of an XXXX product that was received not as the content shown, and I returned it, but XXXX failed to issue me refund because of the mismatching content that is not my fault. I have raised disputes with Citi, due to the split card, XXXX separate disputes, XXXX under credit card and XXXX under deposit. Both were never resolved even till today, and Citi did not reach out or try to solve the issue after my last complaint too. 

I am raising this issue again due to utter dissatisfaction on them declining on another XXXX of my disputes. Since under their policies they refuse the handle the new one, they need to give my proper money that belong to me back. A total of {$1900.00} dollars, with specific on {$970.00} on credit card and {$950.00} on debit card.

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 2025-07-27 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian has failed to fulfill his legal obligation under the fair credit report act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report leaving in accurate and unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues as far as failing to forward consumer-provided evidence to furnitures accepting unreliable responses and failing to adequately notify customers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor remove disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requiring immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violate Federal law and my rights as a consumer

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 2025-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Netspend Corporation
State: NY

Complaint narrative:
I opened a Netspend account under a promotion ( per terms attached ) for {$200.00} with a $ XXXX direct deposit and activated card. The terms state that it would be paid within 5 business days. These qualifying activities were met on XX/XX/XXXX and were not paid out within XXXX business days. This incentive is past due to being credited to my account. 

This account is not a free account. This company baited customers with a promotion and did not hold up on their end of the bargain. They are not paying out and are instead charging {$5.00} a month that is a mandatory unavoidable fee on the account.

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 2025-07-27 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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C, 1681section 602 A. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information 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 non-monetary relief
Consumer complaint received 2025-07-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a former victim of XXXX XXXX  and my personal information has been repeatedly stolen and misused to open fraudulent accounts. XXXX such account was fraudulently opened in my name with American Express. 

I did not authorize or open any account with American Express. After discovering the unauthorized account on my credit report, I filed an identity theft police report with the XXXX Police Department in XXXX, a XXXX  with XXXX Police Department in XXXX, and a XXXX  with the XXXX XXXX XXXX XXXX on XX/XX/XXXX, which specifically includes this fraudulent American Express account. 

I also submitted a formal FTC Identity Theft Report and provided copies of my reports and ID to American Express. Despite that, American Express refused to acknowledge the identity theft, continues to report the account as valid, and has failed to remove it from my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 605B ( 15 U.S.C. 1681c-2 ), which requires a creditor to block fraudulent accounts when identity theft is documented. 

The account has negatively impacted my credit, and I have received no written confirmation from American Express that it will be removed or marked as fraud. The continued reporting is unlawful and harmful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-27 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau Subject : Complaint Regarding Unauthorized Authorized User Account and Failure to Remove Dear CFPB Team, I am writing to formally file a complaint against Barclays Bank Delaware regarding a credit card account that has been reporting on my credit file since XXXX, for which I was added as an authorized user without my consent or knowledge. 

Despite my repeated attempts over the years to have this account removed both directly with the creditor and through formal disputes with the credit bureaus Barclays has continued to report this account on my credit profile, causing ongoing and unwarranted damage to my credit standing. 

Here are the relevant details : Credit Card Issuer : Barclays Bank Delaware Account Number ( last 4 digits ) : XXXX Date I Discovered the Account : XX/XX/XXXX First Reported Date ( approx. ) : XXXX Summary of My Actions : I have contacted Barclays Bank Delaware multiple times requesting immediate removal from the account as I never authorized being added. 
I have filed disputes with all three major credit bureaus, yet the account still appears on my credit reports. 
I have never signed or agreed to be an authorized user on this account, nor was I ever notified. 

This prolonged reporting of an unauthorized account violates the Fair Credit Reporting Act ( FCRA ), and Barclays Bank Delaware has repeatedly failed to correct the issue despite clear evidence and formal requests.

I am requesting the CFPBs assistance to : 1. Investigate Barclays Bank Delawares refusal to remove me as an authorized user.

2. Ensure the account is immediately deleted from my credit reports with XXXX XXXX and XXXX 
3. Prevent any further reporting of this unauthorized account going forward. 

Thank you for your attention to this matter. 

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 explanation