vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, 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. 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 XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: VA

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. Below are the accounts in dispute, separated by bureau. Please review the details and correct the errors accordingly. 

Charged Off Accounts : XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$480.00} XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$490.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiries : XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments : XXXX Account Number : XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Community Health Investment Company, LLC.
State: TX

Complaint narrative:
I am disputing a {$2800.00} medical debt placed for collection by XXXX XXXX XXXX XXXX XXXX ( XXXX ) regarding services on XX/XX/XXXX at XXXX XXXX XXXX XXXX ( account XXXX / XXXX ref XXXX ). 

This was the first bill I ever received in XX/XX/XXXX over 19 months after the date of service and over a year after insurance paid on XX/XX/XXXX. 

I sent a written dispute on XX/XX/XXXX ( certified ). 
XXXX responded XX/XX/XXXX with only an itemized bill and a statement that they verified with our client. They provided no EOBs, no prior billing statements, no proof of mailing, and no signed financial agreement. 

I sent a second written dispute on XX/XX/XXXX demanding proper validation and deletion ( certified tracking XXXX ). 
XXXX confirms it was delivered and signed for on XX/XX/XXXX at XXXX XXXX in XXXXXXXX XXXX ( see attached proof ). 

XXXX has failed to provide proper validation under 15 U.S.C. 1692g and has not ceased collection or deleted the account despite my demands. 

I want this debt permanently deleted and written confirmation that collection has ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: PA

Complaint narrative:
I am filing this complaint because my credit report contains late payment remarks that are misleading, inaccurate, and not supported by any valid records. These late remarks do not reflect my actual payment history and are causing significant harm to my credit standing. Despite my consistent efforts to maintain my accounts in good standing, the credit bureaus and the furnisher have reported derogatory information that is factually incorrect and does not align with my records. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 607 ( b ), which requires maximum possible accuracy, and 611 ( a ), which requires reinvestigation of disputed information.

I have attempted to resolve this issue directly with the credit bureaus, but the inaccurate late remarks remain. These false delinquencies create a misleading profile of my creditworthiness and have already affected my ability to obtain favorable credit terms. I am requesting the CFPBs assistance in ensuring that the credit bureaus and the furnisher comply with federal law and correct or remove all inaccurate information. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX 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 2025-11-26 00:00:00
Product: Credit card — Store credit 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: Zip Co US Inc.
State: MS

Complaint narrative:
XX/XX/year> purchase of XXXX ORDER NUMBER XXXX XX/XX/year> No emails about order from merchant XX/XX/year> XXXX request for dispute via email XXXX attempt to contact merchant about order via email XX/XX/year> XXXX request for dispute via phone XXXX attempt to contact merchant about order via email XX/XX/year> XXXX request for dispute via phone purchase of item has been paid for in pull over XXXX weeks total of XXXX XX/XX/year> I HAVE NOT RECEIVED MY ORDER XX/XX/year> NO RESPONSE FROM MERCHANT ABOUT ORDER XX/XX/year> DISPUTE HAS NOT BEEN RESOLVED OR OPENED

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
I am submitting this complaint regarding the mishandling of my fraud dispute and the subsequent negative impact on my long-standing XXXX XXXX XXXX charge account. 
I initially filed a fraud dispute after my XXXX credit card was compromised. As part of the process, I uploaded the required police report. Despite this, I was later asked to upload the same report again. In the police report, my XXXX XXXX XXXX account was listed among the accounts affected by the incident. Without my authorization, Experian initiated a dispute on that XXXX account, even though I had already resolved the issue directly with XXXX XXXX and had been issued a new account. 
I informed Experian that the XXXX account should not have been disputed and requested that they contact XXXX XXXX to correct the error. To date, this has not been done. As a result of the unnecessary dispute initiated by Experian, XXXX XXXX has now closed my XXXX charge account an account I have maintained in good standing for 23 years. 
I would also like to file a formal complaint against XXXX XXXX. I complied fully with all of their requirements during the fraud investigation, yet my account was still closed due to an error that originated with Experian. 
I have submitted written explanations twice and have contacted Experian on three separate occasions, but they continue to refuse to correct the mistake. This situation has caused significant inconvenience and harm to my credit history, and I am requesting immediate review and resolution.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
I am dealing with Atlantic Recovery Solutions They called me saying they were a debt collector for a company that bought our debt from XXXX. 
I gave them a {$400.00} payment that was with ACH but the amount did not go through due to them saying it was a checking account instead of savings. After they threatened me about that I told them I would give them card info the next day if they called back. 
He ( XXXX XXXX told me once we make the {$400.00} payment there will be another payment after. 
He never called. Around XX/XX/XXXX they somehow pulled the {$400.00} from my account. I let it go because I was happy to have the amount to them. On XX/XX/XXXX they tried taking $ XXXX from the same account. No permission. 
I called the bank and stopped this payment with a stop payment fee. 
XXXX then called my wife and myself treating legal action and criminal action with state police. He would then hangup. 
My wife then looked at her credit and we do not have this amount in collections with any company and refused to give us proof of anything.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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: AR

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ).

Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately 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 explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: NY

Complaint narrative:
The hidden interest. The amount paid is double of what the car was worth

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 2025-11-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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 addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Mr. Cooper Group Inc.
State: WI

Complaint narrative:
We are well over the LTV after a XXXX last spring. The company has since reverted the value back to the original purchase price and claims we need to be <75 % to have PMI dropped. Below is the email that I sent them this morning and awaiting to hear back : " Formal Dispute - PMI Termination Required Under HPA - Loan # : XXXX Your response stating that a new XXXX reverts to the original purchase price of {$320000.00} is incorrect under federal law. You are trying to enforce an old, XXXX policy that some banks used before the CFPB cracked down. That policy is no longer legal on conventional loans. 

The Homeowners Protection Act ( 12 U.S.C. 4902 ) and CFPB Regulation X 1024.37 require PMI termination when LTV reaches 80 % or below based on a current valuation provided by the borrower after the loan is seasoned ( ours is well past 2 years ). 

Current balance : {$280000.00} Most recent valuation on file : {$360000.00} ( 77.8 % LTV ) Please terminate PMI immediately and refund all premiums collected since the LTV first fell below 80 %. If this is not processed within 30 days, I will file a Notice of Error with the CFPB. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ''

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: TN

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. I demand that the accounts, inquiries and personal information should be removed because creditors are not taking further compliance with my request in line with the FCRA. Failure to comply with these demands will result in further action to protect my rights and hold the creditors accountable for their egregious actions. Please see the attached file for what I am complaining about! ( list all accounts, inquiries and Pi that you couldn't put on the FTc report ). Please see the attached file.

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 2025-11-26 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: NJ

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXXXXXX XXXX Account # : XXXXXXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX 2. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years. 
3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-11-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Unauthorized withdrawal of {$5400.00}, duplicate balance transfer, and unresolved open claims Bank : Bank of America Product : Credit Card ( BankAmericard XXXX XXXX XXXX ending in XXXX ) I am submitting a new complaint regarding an unresolved and outstanding issue with Bank of America involving an unauthorized withdrawal, an unreturned balance of {$5400.00}, and multiple open claims with no resolution. 

Summary of the issue : XXXX. On XX/XX/year>, Bank of America withdrew {$5400.00} from my checking/savings account without my authorization. 
I had requested this amount to be credited to my account so that I could pay off another bank. 
XXXX. This unauthorized withdrawal caused an overdraft of more than {$600.00} in my account. 
XXXX. On XX/XX/year>, I contacted Bank of America and requested an immediate refund of the unauthorized withdrawal. 
The representative acknowledged the issue and submitted it to Payment Research. 
XXXX. On XX/XX/year>, Bank of America processed a separate balance transfer of the same amount ( {$5400.00} ) to my credit card account. 
This means XXXX separate transactions exist : The unauthorized withdrawal The balance transfer XXXX. Bank of America owes me {$5400.00}, the amount they removed from my checking/savings account without authorization. 
XXXX. Bank of America currently has XXXX internal claim numbers open for this issue. 
None of those claims has been resolved, and the bank has not provided final findings or determinations. 
XXXX. Bank of America issued a written response to my earlier CFPB complaint, but their response did not address : The unauthorized nature of the withdrawal The overdraft Why were the funds removed instead of being credited Why has the money not been refunded Why the internal claims remain open XXXX. The issue remains completely unresolved, and the bank continues to keep the funds while providing no explanation or correction. 

I am requesting : A full refund of {$5400.00} that was withdrawn from my checking/savings account without authorization Reversal or reimbursement of all overdraft fees and related charges Written findings for all three open internal BofA claim numbers A clear explanation of how this error occurred Correction of my account to reflect the proper transaction This situation has now lasted several months without resolution, despite multiple requests and documentation. 
I am asking the CFPB to intervene to obtain the refund and require Bank of America to comply with federal regulations. 

Thank you.

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 2025-11-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
American Express filed lawsuits against me without validating the alleged debts, even though I disputed the accounts and requested verification before litigation. They have never provided any of the required documentation. 

I requested validation through the CFPB. Instead of providing verification, American Express refused to answer XXXX  XXXX request by stating they can not respond due to litigation. This refusal blocks me from receiving validation and shows AMEX is using litigation to avoid oversight. 

American Express has not provided : validation of the debt account history balance itemization required notices the cardmember agreement proof of ownership or standing They are attempting to collect a debt they have not verified and refuse to provide documentation. 

This complaint is about American Express failing to validate the debt BEFORE filing lawsuits, and refusing to provide validation when the CFPB requested it. 

I am requesting review of American Expresss failure to validate, refusal to answer the CFPB, and failure to provide any required documentation prior to litigation.

Company response to consumer: Closed with explanation