vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-04 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter demands immediate regulatory action against Equifax Information Services LLC ( " Equifax '' ) for its willful and ongoing violations of the Fair Credit Reporting Act ( FCRA ). Our client, XXXX XXXX XXXX, is a victim of identity theft and has suffered due to Equifax 's negligence. 

For several months, and in some cases years, XXXX XXXX has been disputing fraudulent accounts that appeared on her credit report without her authorization. Despite providing Equifax with an official FTC Identity Theft Report ( Report # XXXX ) and other necessary documentation, Equifax has failed to remove these fraudulent items. The accounts in question are : XXXX XXXX : Account # XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) : Account # XXXX XXXX : Account # XXXX Equifax has violated 15 U.S.C. 1681i by failing to conduct a reasonable reinvestigation and delete this inaccurate information within the mandated XXXX period. This is not a simple oversight but a systemic failure and a willful disregard for the law, causing our client significant financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
I was the victim of a scam involving unauthorized activity in my Community Bank checking account, and I am being wrongly held responsible for {$12000.00}. Before any fraudulent transactions occurred, I contacted Community Bank multiple times asking for help and verification. 

In late XXXX XX/XX/year>, I noticed an external account linked to my account and deposits coming in from it. I did not understand the connection, so I emailed the bank asking them to verify whether the linked account was legitimate and whether my account was safe. I specifically asked for guidance, clarification, and confirmation that everything was proper. 

The bank responded but did not warn me of any fraud risk or advise me to disconnect the account. I followed up again explaining that I had only linked the account because I was misled and asked to verify small deposits. I asked the bank again to check the activity and confirm safety. I also asked them to remove or disconnect the external account so I could regain control of my online banking. My last emails received no response. 

Shortly after, funds moved through my account as part of a scam. I did not benefit from these funds, did not knowingly authorize fraudulent activity, and did not understand I was being deceived. I notified the bank, and instead of reviewing the full context or acknowledging that I reached out for help beforehand, they assigned me full liability for {$12000.00}. 

I requested documentation, investigation notes, and a written explanation of why I am being held responsible, but the bank has not provided clear answers or transparency. I can not afford to repay {$12000.00}, and I do not believe I should be held liable when I attempted to prevent the issue by contacting the bank in advance. 

I am requesting that the CFPB require Community Bank to provide documentation, reopen or escalate the investigation, review their failure to act on my earlier emails, and remove the {$12000.00} liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I was originally lived on campus near the school from XX/XX/year> to XX/XX/year> but I made a big mistake to move into a student apartment in XXXX XXXX with not having enough income but used a financial aid to claim my source of income and my credit score. I lived there for XXXX  months and then I moved out because I had XXXX dollars in my bank account without a job. I moved in with my mom again in XXXX and currently working part time however I returned the keys and confronted my situation to the leasing office but they still sent me the notice ( both through mail and email ) that I owe them about XXXX total which makes up the months I didnt pay for the rent ( from XXXX until XXXX of this year ). They also told me to find a roommate somewhere on the internet when I moved out when I feel like they should do that honestly they didnt follow the laws. I am scared because I dont have any money but I think they hired a credit debt collector. I also paid my rent with my debit card not credit. 
I have no words because they shouldnt owe a college student that much and shouldnt call themselves a student friendly and accepts financial aid. I feel like this is unfair because its also my fault for having to move out campus in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
Multiple accounts on my credit report contain inaccurate and incomplete information and are not being reported with the level of accuracy required by law. These persistent errors are materially misrepresenting my financial history, causing tangible harm to my ability to obtain credit, and creating ongoing stress and hardship. This is not a clerical oversight. I insist you treat these listings as serious inaccuracies that require immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: DISCOVER BANK
State: MI

Complaint narrative:
Fraudulent charges Discover bank claims you are never responsible for unauthorized charges but they actually didnt protect me or my account which included my state and federal tax return and child support payment been taking by this bank

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-04 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX  credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Pressler & Pressler, LLP
State: NJ

Complaint narrative:
The collection agency, Pressler, Felt & Warshaw, particularly XXXX XXXX XXXX, in XXXXXXXX XXXX  continually files court motions to collect a debt. This despite the fact that they are aware that all of my income is federal XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX prior motions were dismissed in court. This doesn't stop them from filing motion after motion ; I also believe the debt is past the statute of limitation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: SC

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX ] Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information. 
TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period. 
Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am disputing the following accounts on my Experian credit report : Charged Off Accounts : XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00} XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Account No : XXXX Date Opened : XX/XX/XXXX Balance : {$2900.00} Late Payment : XXXX XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account No : 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 2025-12-04 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:
Dear Sir/Madam, I am writing to dispute the following accounts that are inaccurately reported on my credit report. I request that these items be thoroughly investigated and corrected as necessary. 

Charged Off Accounts : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Late Payments : XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX  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 explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email stating that my account had been closed overnight after being a customer with Chase for years. They did not allow me to explain or provide any documentation, and they closed my account without any explanation. 

I had {$5400.00} in my account before they closed my account. They held {$3800.00} saying this charge was theirs and said they would send a check for {$1600.00}. I have yet to receive this check, and when I called to check its status, I was told they are not going to release my money. 

It has now been over XXXX  days. I have called multiple times, visited the branch, and no one has been able to help me. They are holding my money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: TX

Complaint narrative:
I am writing to dispute the following accounts on my credit report with TransUnion. I believe these items are inaccurate, and I request that they be investigated and corrected accordingly. Please review the information and provide me with the results of your investigation. 

Charged Off Accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$34000.00} Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2025-12-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
Midland Credit Management just called me and told me that there is a judgement against me and that my wages will be garnished, for an account that closed nearly XXXX years ago. The woman that called me lied, I have no judgements against me, no garnishments, and have never received any notice or been served for this " alleged '' judgement, for which there was never a court date or hearing. This type of predatory collection tactic by a third party debt purchaser is highly illegal and needs to be stopped. The woman even went as far as saying that the statutes of limitations dont apply to Midland Credit Management and that they can force legal action if I dont pay them immediately, up until the year XXXX. They need to be put on notice that they can not lie to people when calling to collect a debt, can not state they have legal documents and the threshold to act on them when they dont even exist, and stating false information on how long they have to collect. Hopefully this reaches the proper channel of authority and they are fined and reprimanded. All calls are monitored, right!?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NV

Complaint narrative:
I was enrolled in XXXX XXXX XXXX and was pressured into taking a private Sallie Mae loan. I was told the program had guaranteed job placement, high job placement rates, and that I would easily secure a high-paying cybersecurity job after completion. None of these promises were true.They even said it was zero risk and I would make up to XXXX a year. 

I was rushed through the loan application and was not given full disclosure about the terms, interest rate ( over XXXX  % ), or the long XXXX repayment schedule. I would not have agreed to this loan if I had understood the true cost or if I had not been misled about post-graduation employment. 

This loan is unaffordable and predatory. I am requesting assistance in modifying, settling, or correcting the loan due to misrepresentation and deceptive enrollment practices from the school.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-04 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: LA

Complaint narrative:
I am disputing the following inquiries and late payments reported by Experian. These items have been incorrectly reported, and I request immediate investigation and correction. 

Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-12-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-04 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: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 2025-12-04 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:
I found multiple inquiries from companies with which I have never applied for credit or granted permission to access my information. These unauthorized entries are negatively affecting my credit score and raise concerns about potential identity misuse or reporting errors. Despite my efforts to resolve this issue, the problem persists.Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is inaccurate. I am requesting a full investigation to verify the origin and legitimacy of these inquiries.

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 2025-12-04 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: CA

Complaint narrative:
Dear Sir/Madam, I am disputing the following items on my credit report as they are inaccurate or incomplete. I request that these items be thoroughly investigated and corrected. 

Charged Off Accounts : XXXXXXXX XXXX XXXXXXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) XXXX  ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$1700.00} ) XXXX ( Account Number : XXXX, Opened : XX/XX/XXXX, Balance : {$0.00} ) Inquiries : XXXX XXXX XXXX XXXX ( Date : XX/XX/XXXX ) XXXX XXXX XXXX  ( Date : XX/XX/XXXX ) XXXX XXXX  XXXX ( Date : XX/XX/XXXX ) Late Payments : XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( Account Number : XXXX ) XXXX  ( 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 explanation