vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am submitting to share my ongoing concern regarding several items appearing on my credit report that continue to be inaccurate, incomplete, or unverifiable. After reviewing my file in detail, I realized that much of what is being reported does not accurately reflect my true credit history or financial behavior. These errors have affected not only my credit profile but also my ability to move forward confidently with personal and financial decisions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$320.00} Original Creditor XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: NC

Complaint narrative:
I am submitting to share my ongoing concern regarding several items appearing on my credit report that continue to be inaccurate, incomplete, or unverifiable. After reviewing my file in detail, I realized that much of what is being reported does not accurately reflect my true credit history or financial behavior. These errors have affected not only my credit profile but also my ability to move forward confidently with personal and financial decisions. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$630.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$970.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$320.00} Original Creditor XXXX XXXX XXXX XXXX EQUIFAX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX EQUIFAX XXXX  XXXX XX/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 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CT

Complaint narrative:
I was issued a Discover credit card with a {$3500.00} credit limit when I was under XXXX XXXX XXXX and had minimal income. I did not have a co-signer, nor did Discover verify my ability to make minimum payments based on independent income or assets, as required under the Credit CARD Act of 2009 ( 1026.51 ). 

I am now XXXX and a full-time college student. My balance has grown to {$4200.00}, and I am unable to pay. Discover has referred my account to an attorney, which has caused significant stress and financial hardship. 

I believe Discover failed to comply with the CARD Acts protections for young consumers, specifically the requirement that issuers must verify ability to pay before extending credit to individuals XXXX  XXXX. I am requesting that the CFPB investigate this potential violation and help resolve this matter fairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.

Complaint narrative:
On XXXX I was expecting a refund of my personal funds for the purchase of tickets in the amount of {$7000.00} from XXXX for XXXX XXXX XXXX XXXX XXXX XXXX 
Citibank , N.A . was the intermediary bank in this chain. 
On XX/XX/XXXX, XXXX XXXX XXXX under XXXX XXXX XXXX. 
On XX/XX/XXXX, I applied to XXXX for a license to unblock my funds. 
On XX/XX/XXXX, I received License No. XXXX, authorizing Citibank , N.A . to return the funds to the sender. 
On XX/XX/XXXX, we attempted to contact Citibank , N.A . via XXXX from XXXX Bank, informing them of the aforementioned license and asking them to return the funds to my account at a non-sanctioned bank. Citibank , N.A . has still not responded. Therefore, I am unable to receive my funds, even though I have the appropriate license.

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 2025-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: D&A Services, LLC
State: PA

Complaint narrative:
D & A Services is attempting to collect a XXXX XXXX XXXX debt I do not owe. I never had any agreement with them, and they have not provided validation. 

Details : On XXXX XXXX XXXX, D & A Services mailed me a letter claiming I owe {$16000.00} for a XXXX  XXXX XXXX, XXXX. account ending XXXX. I have no record or recollection of this account. I immediately disputed and requested validation under 15 U.S.C. 1692g ( b ), but have not received the required documentation. 

The company has not provided a signed contract, original account statements, or proof of assignment from XXXX XXXXXXXX XXXX. Any continued collection activity or credit reporting without validation violates : 15 U.S.C. 1692e ( false or misleading representations ) 15 U.S.C. 1692f ( unfair practices ) 15 U.S.C. 1692g ( b ) ( failure to cease collection pending validation ) 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( FCRA duty to report disputed accounts )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: LA

Complaint narrative:
I am formally disputing any unsubstantiated or inaccurate information in my credit report, invoking the FCRA and the Metro 2 data field reporting standard. The allegations of delinquency and derogatoriness lack factual evidence and violate federal and state laws. It is crucial to ensure the precision and legality of all claims in compliance with the Metro 2 reporting standard. I hereby request that you provide tangible, verifiable evidence supporting the account 's existence and its appropriate usage for authorized purposes. In the absence of such evidence, I demand the removal of the account from my credit report. I grant authorization for the physical mailing of documentation outlining your actions and any subsequent updates to my credit report. 

JEFFCAPSYS - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I reviewed my Equifax report and found multiple accounts inaccurately reporting charge-offs, incorrect balances, and ongoing monthly updates after closure, in violation of FCRA 607 ( b ), 623 ( a ) ( 1 ), and Metro 2 reporting standards. One account from XXXX XXXX XXXX lacks original creditor details and appears re-aged without proper validation, violating FDCPA 809 ( a ). I respectfully request that Equifax investigate these errors and update or remove the accounts accordingly. My full dispute letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: HarrisLoftus, PLLC
State: VA

Complaint narrative:
> I am filing this complaint because XXXX XXXX XXXX XXXX XXXX XXXX ( through HarrisLoftus PLLC and The XXXX XXXX ) continues to pursue garnishment on a judgment balance that has already been satisfied through my wages. 

This is the third time they have filed a garnishment for the same case number and principal balance of {$530.00}, which has been taken from my wages in full on at least two previous occasions. 

The only difference each time is that they update the total balance due by adding new interest and garnishment costs, even though the original principal judgment has already been paid. 

This constitutes duplicate collection activity on a previously satisfied debt. The creditor and their representatives are effectively collecting the same {$530.00} over and over by refiling garnishments with slight changes in fees. 

I am requesting that the CFPB investigate XXXX XXXX, HarrisLoftus PLLC, and The XXXX XXXX for improper and repeated wage garnishment on the same account, confirm that the debt has been fully satisfied, and require that any duplicated collections be refunded or credited.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
This is a formal complaint regarding multiple inaccuracies on my credit report. These entries are not mine and are not the result of any action I authorized. They are factually incorrect and are causing real and ongoing harm to my creditworthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
Dear XXXX, Im writing because an account that was previously deleted from my credit report has now been reinserted without any written notice from you. This is a direct violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

Under this law, if information that was deleted from a consumers file is reinserted, the credit bureau must : 1. Obtain certification from the furnisher that the information is accurate and complete ; and 2. Notify the consumer in writing within five ( 5 ) business days of the reinsertion, including the name, address, and phone number of the furnisher who verified it.

I never received any written notice or documentation proving that this reinsertion was verified properly. Because of that, Im requesting that you : Provide a copy of the certification of accuracy from the furnisher ; and Provide proof that you notified me in writing within 5 business days of the reinsertion. 
If you can not provide both, you must immediately remove the reinserted account from my credit report and send me written confirmation that it has been deleted. 
If this issue isnt corrected promptly, Ill be filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Tennessee Attorney Generals Office for noncompliance with the FCRA. 
Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: FL

Complaint narrative:
The furnisher was notified of my dispute by the credit bureau ( s ) and had a duty to conduct a reasonable investigation and report accurate results back to the CRA. Simply verifying data electronically via e-OSCAR without documentary evidence does not meet the threshold of a reasonable investigation, as defined by multiple federal court precedents including Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The furnisher was notified of my dispute by the credit bureau ( s ) and had a duty to conduct a reasonable investigation and report accurate results back to the CRA. Simply verifying data electronically via e-OSCAR without documentary evidence does not meet the threshold of a reasonable investigation, as defined by multiple federal court precedents including Cushman v. TransUnion Corp., 115 F.3d 220 ( 3rd Cir. 1997 ).

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 2025-10-30 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: Experian Information Solutions Inc.
State: TX

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 2025-10-30 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: ME

Complaint narrative:
I am writing to demand an immediate re-investigation and correction of material inaccuracies on my credit report. These entries are incorrect/unauthorized, have harmed my credit, and are causing significant financial and emotional distress. Despite prior assurances that they would be removed, the errors remain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

Account number : 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 2025-10-30 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: NC

Complaint narrative:
I recently pulled my credit report and noticed several negative accounts that are reporting inaccurately and without my knowledge. Please help me get these accounts removed immediately. 

Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs refused to grant me financial hardship because Im a XXXX XXXX who has been furloughed for the last month with no income I used the last of my money to make a mn good faith payment with Goldman Sachs so that they can see that Im at least trying to pay and they still would not grant me financial hardship because they are saying that I made a minimum payment so therefore I dont qualify for any of their financial hardship programs Im ultimately disgusted with Apple credit card through Goldman sacs and will be closing my acct upon satisfying by debt All other fiancial institutions have been very supportive and accommodating but Goldman Sach is an utter disgrace.. would never recommend anyone to use them ever!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Subject : Final Notice Identity Theft Account, Continued Reporting, and FCRA Violations Account XXXX XXXX XXXX XXXX XXXX XXXX ( ending in XXXX ) Date : XX/XX/XXXX To : Comenity Capital Bank XXXX XXXX XXXX XXXX, OH XXXX From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Whom It XXXX Concern, This letter is in response to your correspondence dated XX/XX/XXXX regarding my identity theft dispute and CFPB complaint. 

I appreciate your acknowledgment of my fraud claim ; however, the account ending in XXXX continues to be reported to the credit bureaus despite : 1. My valid identity theft police report 2. My FTC Identity Theft affidavit ( FACTA ID Theft Report ) 3. My written dispute under the FCRA 4. Your acknowledgment of my fraud claim and investigation This continued reporting violates federal law. 

FCRA Violations Under 15 U.S.C. 1681c-2 ( FCRA 605B ) once a consumer submits an identity theft report, the furnisher must cease reporting the account unless they possess authenticated proof of validity. 

You have failed to : Block the identity-theft information Cease furnishing the account to CRAs Provide documentary evidence this account is mine Provide your method of verification and investigation procedures Additionally, under 15 U.S.C. 1681s-2 ( a ) ( 3 ) & ( b ), once notified of a dispute from the CRAs ( which you acknowledged receiving ), you are required to cease reporting inaccurate information and perform a reasonable investigation. 

Required Action You are hereby demanded to : 1. Permanently delete and cease reporting the fraudulent account ending in XXXX 2. Provide all documentation you relied on to determine the account is mine 3. Provide your investigation procedures conducted under XXXX ( b ) 4. Provide confirmation of deletion in writing within 10 business days If you believe you have proof of my authorization or responsibility for this account, you must provide it immediately. Failure to do so will be treated as confirmation that no such evidence exists. 

Notice of Legal Intent If the above actions are not completed, I will proceed with : Filing an amended federal complaint including Comenity as an additional defendant Seeking damages under 15 U.S.C. 1681n & 1681o for willful and negligent violations Submitting continued evidence to CFPB and FTC Requesting sanctions and attorney fees This letter serves as your final opportunity to comply prior to litigation. I have already filed against XXXX  in federal court and plan to also file for non compliance against you for the continued reporting or fraudulent information Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
These are inaccurate items. They show as late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern, This is now my third and final notice regarding inaccurate late payment entries that remain on my credit file. Despite my previous disputes and your legal obligation to maintain accurate reporting, you have failed to delete or correct the entries in question. This ongoing failure constitutes a blatant violation of the Fair Credit Reporting Act ( FCRA ) and federal billing laws. 
This account was always paid as agreed. The reporting of a late payment is inaccurate and must be corrected. This constitutes a billing error under 15 U.S.C. 1666B. 
No notice of any due date or missed payment was received, violating fair notice requirements under the law. 
Accounts in Dispute : XXXX. XXXX XXXX Account XXXX : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX - XXXX. XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief