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

Complaint narrative:
Subject : Request to Remove Inaccurate Credit Information To Whom It May Concern : This Dispute is not Frivolous, and I have included al required documents to support this request. do not send me any form of stall letters.

Upon reviewing my credit report, I have identified the following item ( s ) that are incorrect : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
In accordance with the Fair Credit Reporting Act, I request that you investigate these items and remove them from my report. It is my understanding that you will verify these items with the creditor responsible for their inclusion. Please delete any information that the creditor is unable to substantiate. I am aware that, as stated in 15 U.S.C. Sec. 1681i ( a ), you are required to complete this investigation within 30 days of receiving this letter.

Please send an updated copy of my credit report to the aforementioned address. As per the act, there should be no fee associated with obtaining this updated report. Additionally, I kindly ask that you notify any individuals who have received my credit report within the past XXXX months of the corrections made. 
Thank you for your attention and assistance regarding 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 2025-11-11 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:
I am sending to formally dispute several items currently being reported on my credit file that are inaccurate, incomplete, or unverifiable. The presence of these entries has caused harm to my creditworthiness and does not accurately represent my credit history. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these matters reinvestigated. Each item below contains serious reporting errors, and I respectfully request that all unverifiable information be permanently deleted from my credit file in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} XXXX XXXX Original Creditor XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-11 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: NC

Complaint narrative:
I am sending to formally dispute several items currently being reported on my credit file that are inaccurate, incomplete, or unverifiable. The presence of these entries has caused harm to my creditworthiness and does not accurately represent my credit history. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to have these matters reinvestigated. Each item below contains serious reporting errors, and I respectfully request that all unverifiable information be permanently deleted from my credit file in accordance with federal law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} Date Opened : XX/XX/year> XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1100.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$540.00} XXXX XXXX Original Creditor XXXX XXXX XXXX  Balance Owed : {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$370.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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

Complaint narrative:
Upon reviewing my credit report, I noticed several inaccuracies associated with this account. This account is negatively impacting my ability to obtain credit. I am requesting that you conduct a thorough investigation to verify the accuracy and completeness of the information, as required under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) .I am specifically requesting a thorough, manual reinvestigation by a qualified investigator, not an automated EOSCAR response. Please contact the furnisher directly and obtain original account-level documentation used to verify this account. 
If the furnisher can not provide documentation supporting the accuracy of all 37 late payments and complete account data, you are legally required to delete the account from my credit file. 
While the reinvestigation is pending, please ensure this account is clearly marked as disputed by consumer in my Equifax file and on all reports you provide to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding TRUIST XXXX  failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX  yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. TRUIST XXXX  has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. TRUIST 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
Consumer complaint received 2025-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
on XX/XX/XXXX I ordered a debit card for my XXXX of XXXX checking accounts. the account that I have always had a debit card for was to remain same and not be touched or modified in any way.i was not ordering a card for that one as I had a working debit card already for that account. I have payments monthly that are attached to that debit card and the representative that I was on the phone with was told by me to not touch the debit card I already have. I only needed to order a second new debit card for my other checking account that is my main account I write checks off of only .. she confirmed that I would have only an extra separate debit card that is for the checking account that I did not already have a card for. I asked her 4 times to make sure she does not close out my current debit card that is with my other checking account that is also a checking account. I was at the market on XX/XX/XXXX th and my debit card did not go through or work. the clerk told me it came up as stolen and I left and went to Bank of America XXXX to try to find out what happened .. the bank confirmed it was closed. I called b of A right after and they told me XXXX cards were sent. I did not order XXXX only XXXX for XXXX account. I did not consent to this and they would not send me the replacement overnight and wanted to charge me a fee. today is day XXXX and still no card has been mailed to me. my debit card that has monthly services ( XXXX, XXXX etc ) attached is no longer valid due to Banks error and I do not have credit cards so I can not pay for my monthly subscriptions since I have been without a way to pay since XX/XX/XXXX, the bank should have expedited the card that carelessly closed that I did not give permission for them to do. they refused to mail me overnight unless I paid XXXX when it was their fault of human gross error. I am still waiting for my debit card at day XXXX with no updates on if it was shipped or not. this was not warranted by them to do.

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 2025-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I need to know what I bought from Midland credit management inc, how much money I borrowed from Midland credit management inc, when I made the transaction with them, what is my name, what is my address, whats my social security Give me the information I gave you if I had dealt with Midland Credit Management. I have no deal I signed with Midland credit management XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing a complaint against Bank of America for taking adverse action against me after I disputed a {$5000.00} billing charge for services not rendered. Shortly after I disputed the charge, Bank of America reduced all of my credit limits by thousands of dollars, and then closed multiple credit card accounts. 

I received written closure notification letters, but I never received a legally required adverse action notice explaining the specific reasons for the closure ( s ) as required under FCRA 615 ( a ) and Regulation B ( 12 CFR 1002.9 ).

Per their own communication, the letters stated : Well be sending you a letter to explain why we made this change. I never received any such letter that stated the reasons for the credit closure. 

This appears to be retaliation for a billing dispute and is a violation of federal consumer protection laws requiring a statement of reasons. 

This account closure has damaged my credit profile, reduced my available credit, and caused financial harm. I am requesting full review, restoration of accounts, and correction of any negative credit bureau reporting connected to these actions. 

Attach screenshots/photos of the letters you posted.

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 2025-11-11 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: MOHELA
State: FL

Complaint narrative:
The delinquent payment shown on my credit report was a result of my job loss due to COVID-19. The CARES Act, which was signed into law on XX/XX/XXXX, and ended XX/XX/XXXX amended the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the COVID-19 crisis under these circumstances. Please update this information to PAID/AGREED for the following time period. XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-11-11 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: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Fl XXXX XX/XX/2025 Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX ( Or XXXX address listed on your notice/credit report ) Re : Dispute and Demand for Validation and Immediate Correction/Deletion Account/Reference No. : XXXX Credit Bureau ( XXXX ) : [ XXXX ] To Whom It May Concern : I am formally disputing the accuracy and legitimacy of the account you are reporting on my credit file. Portfolio Recovery Associates is being reported as the original creditor, which is false. I have never opened an account with Portfolio Recovery Associates, and you are not the original creditor for this debt. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand the following : XXXX ) Validation : Provide complete documentation substantiating the debt and your right to collect, including : The name and address of the original creditor A copy of the original signed agreement or contract A full accounting showing the amount claimed, itemized principal, interest, fees, and payments Chain of title ( all assignments/bills of sale ) proving your authority to collect and report XXXX ) Correction/Deletion : Because Portfolio Recovery Associates is not the original creditor, immediately correct the tradeline to reflect accurate creditor information or delete the tradeline entirely. Any continued reporting that misidentifies PRA as the original creditor is inaccurate and must be removed. 

Until you provide full validation, you must cease collection efforts and suspend reporting to the credit bureaus. If you can not validate and correct this account within XXXX  days of receiving this letter, you must delete the tradeline from all credit reporting agencies. 

This is a time-sensitive dispute. Please respond in writing confirming : Receipt of this dispute The actions taken to delete or correct the tradeline Copies of all documents relied upon to validate the debt and your collection authority If you continue to report inaccurate information or fail to validate, I will file complaints with the Consumer Financial Protection Bureau, the Federal Trade Commission, and my State Attorney General, and I will consider all available remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
I was in the middle of a documented XXXX XXXX during the time the debt was accumulating in XXXX, around {$210.00}. I was not in a position to manage communication or finances properly. Now that I am more stable, Ive been trying in good faith to reach someone at the company to discuss my options or negotiate a settlement, but despite multiple call attempts, Ive been unable to reach a live representative. The phone system routes me through endless automated prompts and hangs up when i attempt an agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
I am requesting assistance with my private student loans serviced by Navient. 

These loans were originally XXXX XXXX private student loans originated between XXXX as variable-rate loans. They have since reset to interest rates between XXXX %, causing the balance to explode. Although I have paid over {$53000.00}, my balance is now {$260000.00}, which is nearly triple my original principal of {$97000.00}. 

My income is approximately $ XXXX pre-tax ( {$2500.00} net ). Navient is demanding monthly payments of {$2900.00} or higher. Their only offered hardship relief was an interest-only payment option of $ XXXX or $ XXXX, which is still unaffordable and would leave me unable to pay rent or basic living expenses. 

Navient is refusing to offer any meaningful hardship program or affordable payment plan. I believe this reflects : predatory variable-rate loan practices before the Sallie Mae/Navient split unfair and deceptive loan servicing refusal to work with borrower in documented financial hardship I am requesting regulatory oversight to ensure an affordable hardship-based payment option is provided, in line with my income and ability to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-11 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MN

Complaint narrative:
I opened Synchrony XXXX accounts a few month ago to get interest free promotion. And I found that they charge optional protection plan fee which I did not choose to get. I want to get refund all fees and cancel the plan.

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 2025-11-11 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: MD

Complaint narrative:
I am requesting the removal of inaccurate and unauthorized accounts from my credit report. These items were not opened, authorized, or verified by me, and l 've attached documentation in support of this claim. These accounts and inquiries do not belong to me and were added without my permission or proper verification. 

I've submitted supporting documentation, including a consumer statement and official FTC report, to verify this matter. I am requesting these items be removed so my credit report reflects only accurate, verifiable information. Under Section 605B of the Fair Credit Reporting Act, I am exercising my right to block this information from appearing on my credit profile.

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