vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Re : Reinsertion of Previously Deleted Account Formal Dispute Creditor : XXXX XXXX XXXX New Account Number : XXXX Original Balance : {$57.00} | New Balance : {$50.00} Date Previously Deleted : XX/XX/year> To Whom It May Concern, I am formally disputing the reinsertion of an account from XXXX XXXX XXXX that was previously deleted in XX/XX/year>. The account has been re-reported with : A new account number A new balance A new date opened No notice of reinsertion sent to me within 5 business days This is a direct violation of FCRA 611 ( a ) ( 5 ) ( B ).

According to federal law : A consumer reporting agency may not reinsert a previously deleted item unless the furnisher certifies the accuracy AND the agency notifies the consumer in writing within 5 business days.

I received no reinsertion notice, and no certification has been provided.

I am requesting : 1. Immediate deletion of this reinserted account.

2. A full reinvestigation of the creditors reporting practices.

3. Written confirmation that this account is removed permanently.

4. The furnishers certification of accuracy if provided including why the account number, balance, and dates were changed. 

Attached : Screenshot of current reinserted account Documentation showing the previous deletion Please complete your reinvestigation within the required period and provide written confirmation.

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 2025-11-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am reporting a billing error under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ).

The creditor has failed to provide the amount owed, required documentation, verification, or accuracy of the account, and continues to treat the account as valid without providing any evidence.

I submitted a formal Billing Error Notice and demanded documentation including : original signed contract proof the creditor extended credit full accounting ledger entries money audit trail GAAP audit trail chain of title verification of charges evidence supporting the alleged amount The creditor has failed to : acknowledge the billing error within 30 days investigate the dispute provide any documentary evidence provide itemization or validation explain the billing error suspend collection during investigation comply with the required 90-day resolution period Under 12 C.F.R. 1026.13 ( d ) ( 3 ), they are prohibited from : continuing to collect the disputed amount reporting late payments reporting negatively to the credit bureaus treating the account as delinquent Despite this, the creditor continues collection efforts without resolving the billing error.

This violates : 12 C.F.R. 1026.13 ( Regulation Z billing error procedures ) 15 U.S.C. 1666 ( FCBA billing error requirements ) 15 U.S.C. 1666b ( crediting of payments ) 15 U.S.C. 1666 ( e ) ( failure to provide documentation = forfeiture of collection rights ) 12 U.S.C. 5562 ( c ) ( 10 ) ( failure to provide documentary material ) 12 U.S.C. 1831n ( failure to provide GAAP-compliant records ) 15 U.S.C. 1692e ( 2 ) ( misrepresentation of debt amount ) Because the creditor has not produced any lawful evidence of the debt, its continued attempts to collect or report the account are illegal. 

I am requesting CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Paramount GR Holdings, LLC
State: ID

Complaint narrative:
We missed a payment in XXXX of XXXX, I then set up a payment plan and auto pay to get become current for XX/XX/XXXX. The payments came out and we believed the account was current until XXXX of XXXX when goodleap financial contacted me to make a payment claiming we were 30 days late. This is when we found out that back in XXXX of XXXX they had not taken out the past die amount they were supposed to take for the payment plan leaving a balance of {$180.00} every month 30 days late for a year. They had never contacted me to inform me of this error or ask me to bring the account current which I could have easily done. This has ruined my credit and caused us to significant problems with buying a home or using credit to grow my business. They claimed in an email I replied to i told them not to contact me but that is not the context of the email. They reached to have me make a payment in which I set up the payment plan and auto pay then during the same month of XXXX they continued to text and call which is when I replied I already set up the payment plan and to check there system and stop calling me. This was not a request to have no contact and it was specifically in relation to the current situation. Every month the payments came out and I never knew i was behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TrueAccord Corp.
State: PA

Complaint narrative:
On XX/XX/2025, I ( XXXX XXXX XXXX ) issued a formal Billing Error Notice and Affidavit under : 12 C.F.R. 1026.13 15 U.S.C. 1666 15 U.S.C. 1666b 15 U.S.C. 1692e 12 U.S.C. 5562 ( c ) ( 10 ) 12 U.S.C. 1831n 16 C.F.R. Part 433 The dispute concerns an alleged balance of {$280.00} on TruAccord account no. XXXX. 

I requested : documentary evidence original signed contract proof that TruAccord funded or extended credit chain of title GAAP accounting money audit trail internal ledger entries charge-off documentation proper investigation legally required billing-error disclosures TruAccord did not provide any documentation.

They did not acknowledge my dispute, they did not conduct an investigation, and they did not resolve the dispute within the required 3090 day FCBA/TILA timeline.

During a billing error investigation, they are prohibited from : continuing collection reporting late payments taking adverse credit actions TruAccord continued to treat the alleged account as valid while refusing to provide documentation and refusing to validate. This violates TILA, FCBA, FCRA, and FDCPA protections.

Additionally, TruAccord has never demonstrated that : the account exists as a lawful credit extension they own the alleged obligation they have a valid, original, signed contract any credit extension occurred the amount is accurate any accounting exists This is a billing error under 15 U.S.C. 1666 ( e ), and TruAccord forfeits all rights to collect the disputed amount. 

I am asking the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
I am disputing an illegal collection account placed on my XXXX credit report by Credit Collection Services. This account does NOT belong to me and appears to be a mixed file with someone who has a similar name. 

CRITICAL VIOLATION : I have verified through XXXX  Consumer Access that Credit Collection Services is NOT LICENSED to collect debts in my state. Their unlicensed collection activities violate state law and the FDCPA. 

Account Details : Collector : Credit Collection Services Account # : XXXX Amount : {$860.00} Credit Bureau : XXXX  This is NOT my debt. I have no knowledge of this account and never had any contract or agreement with Credit Collection Services. 

I sent a formal debt validation demand via certified mail, but they have failed to provide any proof that : This debt belongs to me They are legally authorized to collect in my state They have proper ownership of this debt Despite their illegal unlicensed status and failure to validate, they continue to report this invalid debt to credit bureaus, causing significant harm to my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant XXXX. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-11-18 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: TX

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX ) # XXXX XX/XX/XXXX -- {$360.00} XXXX XXXX  # XXXX XX/XX/XXXX -- {$7300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Issues with repayment — 
Company: Probate Advance Holdco, LLC
State: NY

Complaint narrative:
I am filing a complaint against Probate Advance, LLC regarding unfair, deceptive, and retaliatory business practices connected to an inheritance advance agreement dated XX/XX/2025. 
Probate Advance repeatedly added new conditions that were not part of the signed contract, including : demanding personal ID and utility bills not required in the agreement, demanding that I contact the estate attorney to list property for sale, demanding that I withdraw my complaint with the New York Attorney General as a condition to release my money. 

I have recorded calls where their representative XXXX XXXX XXXX ) explicitly states that my {$15000.00} holdback would not be released unless I withdrew my Attorney General complaint. This is retaliation and coercion. 
Probate Advance issued multiple revised contracts ( at least XXXX versions ) attempting to add obligations I never agreed to after the original binding contract. 

They also delayed payment for months without legal justification, causing severe financial hardship : My car insurance lapsed due to the delay, My NY registration and plates were suspended, My credit card was closed due to inability to make payments, My XXXX XXXX dropped, I incurred late fees and penalties. 

After the estate paid Probate Advance in full, they withheld {$17000.00} from my rebate by claiming " legal fees, '' but refused to provide any invoice or documentation, stating the information was " confidential. '' This appears to be a self-justified deduction, unsupported by proof, and contradicts earlier statements made by both representatives. 

I am requesting the CFPB investigate for : unfair business practices deceptive contract modification coercion and retaliation improper withholding of owed funds failure to provide required billing documentation I am also requesting assistance recovering the remaining {$17000.00} owed to me under the terms of the agreement. 

( XXXX Probate Advance representatives that was included in my case that I know of was XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
I am requesting assistance regarding Affirms selective and discretionary reporting of multiple unsecured installment loans to XXXX. Affirm is reporting around XXXX small unsecured loans from XXXX that were all paid in full and never late. These accounts are not reported to the other major bureaus, which indicates discretionary reporting rather than regulatory obligation. 

Although the information is accurate, the volume of these accounts is causing significant consumer harm due to FICOs consumer finance account penalty structure, negatively impacting my credit profile despite flawless payment performance. 

I requested goodwill suppression of these closed, paid accounts directly from Affirm, but they refused escalation to their compliance team and declined to provide written policy explanation. Their representative also referenced a late payment incorrectly despite confirming that none exist. 

I am asking for CFPB review of Affirms discretionary continuation of selective reporting and whether suppression or removal of these accounts would be an appropriate resolution given the consumer harm and perfect payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: Bridge IT, Inc.
State: IL

Complaint narrative:
Brigit violated multiple consumer laws, chiefly the Federal Trade Commission Act ( FTC Act ) and the Restore Online Shoppers Confidence Act ( ROSCA ). The company was found to have engaged in deceptive practices, including false advertising about instant cash advances, misleading representations regarding consumers ability to cancel subscriptions, and using manipulative design ( dark patterns ) to hinder cancellation efforts. Additionally, Brigit charged hidden fees and made unauthorized recurring withdrawals, further disadvantaging consumers. [ ftc XXXX ] Major Consumer Laws Broken Federal Trade Commission Act ( FTC Act ) : Brigit engaged in deceptive acts and unfair practices regarding cash advance amounts, speed of delivery, misrepresentation of subscription benefits, and unauthorized billing. [ consumerfinancemonitor XXXX ] Restore Online Shoppers Confidence Act ( ROSCA ) : The company failed to provide clear disclosures about subscription terms, did not obtain informed consent for recurring charges, and made it difficult to cancel, violating requirements for negative option features online.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: GA

Complaint narrative:
Pursuant to 15 U.S. code 1681b ( 2 ). A consumer reporting agency may only furnish a consumer report with the written instructions of the consumer to who it relates. I declare that I am a Consumer '' did not give any consent or authorization for anyone to furnish, convey or report any of my consumer information. This is abusive practice pursuant to 15 USC 1692 ( a ) as this is damaging my reputation, causing marital instability, to the loss of jobs and the invasion of my individual privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: PENTAGON FEDERAL CREDIT UNION
State: SC

Complaint narrative:
1. They Are Reporting Late Payments After Charge-Off ( FCRA 623 ( a ) ( 1 ) ) Once a loan is charged off, PenFed can not legally : add new late payments list new XX/XX/year> day delinquencies continue updating past due statuses This creates false activity and illegally re-ages the account. 

2. No Validated Accounting Of The Charged-Off Amount FDCPA 809 ( b ) requires : itemized breakdown proof of balance DOFD payment application history None provided. 

3. No DOFD Reported ( FCRA 623 ( a ) ( 5 ) ) A charge-off must have DOFD supplied to the credit bureaus.

Requested CFPB Resolution Require PenFed to : Provide proof of delinquency timeline Submit DOFD Supply full accounting Remove the account if they can not validate properly

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 2025-11-18 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: CA

Complaint narrative:
I submitted a certified dispute to the credit bureau regarding a demonstrably inaccuracy on my credit report. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: WA

Complaint narrative:
I am writing as a consumer to dispute certain items on my Equifax credit report. I am requesting that the following items be investigated and corrected or removed if they can not be verified : Charged Off Accounts : Lighthouse Acceptance, Account Ending XXXX, Reported XX/XX/XXXX I dispute the accuracy of this accounts status and request verification. 

Inquiries : XXXX XXXX XXXX, XX/XX/XXXX I did not authorize this inquiry and request that it be removed if it can not be verified. 

Positive Accounts : I acknowledge the following accounts as accurate to the best of my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please complete a thorough investigation and provide written confirmation of the results, including documentation validating the accuracy of any item that remains.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for the XXXX XXXX XXXX American Express card on XX/XX/year>. 
The offer at the time clearly stated XXXX bonus miles after spending {$2000.00} within 6 months. 

I completed the required {$2000.00} spend in XX/XX/year> ( first month ). 
However, the bonus miles were never issued. 

I contacted American Express multiple times. A case was opened on XX/XX/year> ( Reference : XXXX ). 

Later, American Express claimed that, during the online application, I was shown a message stating I was not eligible for a welcome bonus. I asked for documentation of this disclosure, including the text, where it appeared, and my consent. 

American Express confirmed that they can not provide any documentation, screenshots, or records of the disclosure they claim I saw. They also confirmed that they do not retain step-by-step application records and therefore can not prove that I consented to applying without a welcome offer. 

Despite meeting all spending requirements and paying the {$150.00} annual fee, the company continues to deny the welcome bonus based on a disclosure they can not prove or provide. 

I am requesting CFPB assistance to obtain either : documented proof of the disclosure and consent they claim exists, or that the originally offered XXXX bonus miles be honored.

Company response to consumer: Closed with explanation