vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-09 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: GA

Complaint narrative:
I am submitting this follow-up regarding a late payment that continues to be reported inaccurately on my credit file, despite my prior disputes and submission of supporting documentation. The inaccurate reporting remains unresolved, misrepresents my actual payment history, and continues to negatively affect my creditworthiness. 
XXXX XXXX XXXX * * Balance Owed : {$250000.00} XXXX XXXXXXXX XXXX * * * * * * Balance Owed : {$110.00} XXXX * * Balance Owed : {$12000.00} XXXX XXXX * * * * * * * * * Balance Owed : {$10000.00} XXXX * * * * * * * * * * * * * * Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX * * * * * * * * * * * * * * * * * * * * * * Balance Owed : {$19000.00} XXXX XXXXXXXX XXXX * * * * * * * * * * * * * * * * * * * * * * Balance Owed : {$11000.00} XXXX * * * * * * * * * * * * * * Balance Owed : {$4400.00} XXXX XXXXXXXX * * * * * * * * * * * * * * Balance Owed : $ XXXX XXXX * * * * * * * * * * * * * * Balance Owed : {$4400.00} XXXX * * * * * * * * * * * * * * Balance Owed : {$4400.00} Fair Credit Reporting Act, including the obligations set forth in FCRA 607 ( b ), 611 ( a ), and 623 ( a ) ( 1 ) ( A ), consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation whenever a consumer disputes the accuracy of reported information. Furthermore, FCRA mandates that any information that is unverifiable, inaccurate, or incomplete must be corrected, updated, within the legally required timeframe. The continued reporting of this late payment constitutes a violation of these federal requirements and demonstrates noncompliance by the credit reporting agencies and the furnisher.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Veros Credit, LLC
State: NV

Complaint narrative:
After 9 months of purchasing my car I noticed a random XXXX $ charge on my account. I verified that my payment was made and secured on my account as it was and has been for 9 months so I contacted veros ( XX/XX/XXXX XXXXXXXX XXXX  ) I recently switched insurance companies and they stated they did not receive insurance so this was an insurance charge provided an email ( XXXX ) and was told as soon as they receive the declaration page these charges could be removed. I have sent the required information to this email XXXX XXXX XXXX XXXX I then also XXXX submitted the documents to the veros credit website twice XXXX I was on the phone with veros credit for 1 hour and 38 minutes Customer service transferred me to insurance who was an incompetent lady where all I could hear was her personal problems screaming in the background I hung up. Called back and again transferred to insurance as I was told they did in fact have my new insurance on file and the charges should be removed but transferred to complete this action to customer service who then said it was insurance and transferred me back to insurance after over an hour on hold and being told my file was up to date and the hold was confirming with loans department and two supervisors higher up they are not finding any charges and assured me my upcoming bill was only for my loan amount as further more to disregard these charges however I checked my account and they have charged me AGAIN! It has now doubled to XXXX and also lied to as my current bill was receive and it is part of the payment that will be auto paid I contacted veros again and the insurance department stated this is not and insurance problem I can contact the loan department. I have a letter stating it is in fact insurance so another lie next to the one its an unknown charge next to it is on my bill. If I am charged for this it is nothing more than fraudulent charges and there is clearly no email or number to connect to a competent person to correct these invalid charges but it needs to be corrected before it effects my credit bases on the unprofessional and unorganized clearly invalid online accounts created by these scam artists

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Unknown person attempted to open Best Buy Credit account using my home residential address. On XX/XX/25 I recieved a notice dated XX/XX/25 that the application was denied due to insufficient credit experience.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Larry H. Miller Group of Companies
State: AZ

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries and inaccurate reporting on my credit report. 

Unauthorized Hard Inquiries During car shopping, multiple dealerships and lenders pulled my credit excessively. I only authorized XXXX credit pull per dealership, yet my credit report shows multiple hard inquiries from the following companies : XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Prestige Financial XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXenders multiple pulls Insurance Hard Pulls XXXX XXXX XXXX XXXX XXXX XXXX  ) These inquiries were done without my consent, or they exceed the number I authorized. 

Inaccurate Reporting Some accounts on my credit report are inaccurate, including : Duplicate accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Reliable Credit Association, Inc.
State: AZ

Complaint narrative:
I am submitting this complaint regarding multiple unauthorized hard inquiries and inaccurate reporting on my credit report. 

Unauthorized Hard Inquiries During car shopping, multiple dealerships and lenders pulled my credit excessively. I only authorized XXXX credit pull per dealership, yet my credit report shows multiple hard inquiries from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reliable Credit Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX lenders multiple pulls Insurance Hard Pulls ( Root Insurance, XXXX, XXXX, XXXX  ) These inquiries were done without my consent, or they exceed the number I authorized. 

Inaccurate Reporting Some accounts on my credit report are inaccurate, including : Duplicate accounts

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 2025-12-09 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: DC

Complaint narrative:
I am filing this complaint because several accounts on my credit reports are being reported inaccurately and inconsistently across the major credit bureaus, creating a misleading and conflicting credit profile despite my efforts to ensure all information is correct and updated. The account XXXX XXXXXXXX shows different balances, activity dates, and late-payment reporting between Equifax and TransUnion, with Equifax XXXX a {$200000.00} balance and a XX/XX/XXXX activity date while TransUnion lists a {$200000.00} balance with a XX/XX/XXXX activity date, resulting in contradictory reporting for the same account. My DEPTEDNELNET XXXX student loan is reported by TransUnion with a XX/XX/XXXX activity and reporting date that does not align with my actual loan servicing records, raising concerns over accurate data furnishing. The XXXX XXXX account shows a XXXX balance but completely different dates between Equifax and TransUnion Equifax reports a XXXX activity date but updated it in XXXX, while TransUnion maintains XXXX XXXX activity and reporting date which creates an artificial discrepancy in long-closed records. The XXXX XXXX account also contains conflicting reporting between bureaus, where Equifax updated the account on XX/XX/XXXX while TransUnion lists a XX/XX/XXXX update for an account that has reflected a XXXX balance since XX/XX/XXXX. Finally, the XXXX XXXX XXXX XXXX account also conflicts across the bureaus, as Equifax reports a XX/XX/XXXX activity date with a XX/XX/XXXX update while TransUnion reports both activity and reporting dates as XX/XX/XXXX. These differences violate the accuracy, completeness, and consistency standards required under FCRA 611 ( 15 U.S.C. 1681i ), FCRA 623 ( a ) ( 2 ), FCRA 623 ( b ), and the creditor obligations regarding correct and updated information under 15 U.S.C. 1666 and 1666a, and I am requesting CFPB assistance because the inconsistent reporting continues to harm my creditworthiness and does not reflect the correct, updated information that furnishers are legally required to provide.

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 2025-12-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: MIDFIRST BANK
State: GA

Complaint narrative:
In XX/XX/year>, XXXXXXXX XXXX approved me for a XXXX Recovery Standalone Partial Claim Trial Period Agreement with trial payments of {$810.00} due on XXXX, XXXX, and XXXX of 2025. Although the payments were made late each month, XXXX accepted and applied all three trial payments to my loan, and no notice was sent stating that late payments voided eligibility. 

On XX/XX/year>, I signed all required modification documents before a notary and sent the full package by XXXX Overnight XXXX XXXX Loss Mitigation Department. The package was delivered and signed for at XXXX facility on XX/XX/year>, Tracking # XXXX. I have proof of delivery and signature. 

Despite this, XXXX denied my modification and stated that my signed documents were not returned, even though the documents were delivered and accepted by XXXX facility. I requested clarification multiple times, including why the documents were marked as not received and why the accepted trial payments were not honored toward eligibility. I did not receive any explanation. 

XXXX later issued a second denial stating that I declined assistance, which is not accurate. I completed the trial plan and returned all documents as instructed. 

I am now XXXX months behind because the modification was not completed, and I am at risk of foreclosure due to what appears to be improper handling of my documents and an incomplete or inaccurate review of my loss mitigation application. 

I am requesting CFPB assistance to ensure XXXX properly reviews my appeal, acknowledges receipt of my returned documents, and evaluates my eligibility for the program according to FHA and HUD loss mitigation guidelines.

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 2025-12-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-12-09 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: FL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: IN

Complaint narrative:
I recently logged into Experian to check my credit. I saw a collection on there from ProCollect Inc. I have never received anything in the mail from them. It never a phone call made, mail sent, email or anything regarding the said account. When I called they said I had XXXX days to pay it, ( Called XX/XX/XXXX at XXXX PM ) and that a refusal to pay would be on my report after XX/XX/XXXX. I was not notified by the said apartment company trying to collect this debt or ProCollect. It has just appeared on my credit report. When I mentioned fraud the agent said, " That's refusal to pay. I'm documenting that as refusal to pay, '' and hung up the phone. I didn't get chance to ask or verify anything. No mail was sent or an email to me about the said account. 

Had I known and was given a notice, if this is legit, I could have made payment arrangements. I have never had any issues in the past with paying for revolving debts. That was not even an option, since they never notified me.

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 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Global Lending Services LLC
State: LA

Complaint narrative:
Global Lending Services placed a hard inquiry on my credit report on XX/XX/year> without my authorization. I never filled out a credit application with this company or gave any form of consent to access my credit report. 
This violates FCRA 604 ( a ), as Global Lending had no permissible purpose. Upon requesting verification under FCRA 609 ( a ) ( 1 ), they could not provide any signed documentation proving that I authorized this inquiry. 
This unauthorized inquiry is negatively affecting my credit standing. I am requesting CFPB assistance to have this inquiry removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: PNC Bank N.A.
State: MS

Complaint narrative:
I am filing this complaint regarding XXXX fraudulent XXXX charges on my PNC Bank account. I did NOT authorize these charges. I reported them to PNC immediately. 

I have exhausted every option with XXXX. XXXX refuses to cooperate and repeatedly tells me they will not take any action to reverse the charges. 

PNC Bank is now slow-dragging the dispute process. They are sending me secured emails that I am required to open to finalize my dispute, but these emails can not be opened despite several attempts on multiple devices. PNC has been informed of this problem, yet they continue to require the same unusable method. 

This prevents me from completing the dispute process and recovering my money. 

PNC is failing to comply with its responsibilities under the Fair Credit Billing Act ( XXXX ) and Regulation Z, which require the bank to conduct a reasonable investigation and provide a clear explanation of any dispute decision. Instead, PNC is creating a technical barrier that makes resolution impossible. 

I have acted in good faith and followed all required steps. I simply want reimbursement for these fraudulent charges. 

What I want : I request that the CFPB require PNC Bank to : XXXX. Reopen and complete the dispute without relying on the faulty secure-email system, XXXX. Conduct a lawful and reasonable investigation, and XXXX. Refund the unauthorized charges to my account. 



My contact information : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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:
It is unacceptable that public records appear on my credit report. This is causing me significant anxiety, and I urgently request that they be removed without delay.

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 2025-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: TX

Complaint narrative:
Crown Asset Management, through the law firm XXXX XXXX, pursued a debt collection lawsuit against me but repeatedly failed to provide the documents I requested, failed to comply with a court-ordered discovery deadline, and did not respond to my settlement or email communications. 

The case was filed on XX/XX/XXXX. I filed my Answer on XX/XX/XXXX. Several hearing dates were set and continued. On XX/XX/XXXX, the XXXX granted my Motion for XXXX and ordered Crown Asset to produce specific documents within 30 days, including the business-records affidavit, account statements, the cardmember agreement, and all assignments or bills of sale. 

Crown Asset did not provide any of the required documents. They did not serve me with a single discovery response, even though the Courts order required them to do so. 

Before the hearing, I attempted to resolve the matter directly. I emailed a written settlement inquiry on XX/XX/XXXX and followed up again on XX/XX/XXXX, but Crown Asset did not respond. My XX/XX/XXXX email was returned as undeliverable, meaning the listed attorney email address was not functional. 

I mailed my formal discovery requests by certified mail, but the green card was returned without a signature, showing that the firm did not accept the delivery. 

On XX/XX/XXXX, Crown Asset filed a Certificate of Written Discovery, stating they had served discovery responses, but I did not receive anything from them. This filing did not match their actual conduct. 

Because Crown Asset did not produce discovery as ordered, I filed a Notice of Plaintiffs Failure to Produce on XX/XX/XXXX. The XXXX continued the trial date again due to their non-compliance. 

Crown Asset has still not produced proof of ownership of the debt, account records, statements, the contract, or any documentation to support the amount they claim is owed. They have not responded to emails, certified mail, or my attempts to resolve the matter prior to the hearing. 

As a result, I have been required to attend repeated court settings and respond to filings without ever receiving the documents needed to verify whether Crown Asset has the legal right to collect this debt. Their failure to communicate, failure to comply with the Courts order, and failure to validate the debt have caused confusion, delays, and unnecessary legal burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-09 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: AS

Complaint narrative:
I am submitting this complaint to formally dispute multiple reporting inaccuracies regarding my XXXX XXXX account as it appears on Equifax, Experian, and TransUnion. Upon reviewing my credit reports, I discovered inconsistencies in the account status, late payment reporting, and balance, which are misleading and do not accurately reflect my actual payment history. These discrepancies violate the Fair Credit Reporting Act ( FCRA ) 607 ( b ), 611 ( a ), and 623 ( a ) ( 2 ), which require that all information maintained by consumer reporting agencies be complete, accurate, and verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reporting multiple inaccurate and fraudulent items appearing on my credit report. These accounts and/or inquiries were not authorized by me, and I have attached the documents that support my identity-theft claim. I previously notified all three credit bureaus and the furnishers, but they have not conducted a lawful investigation and have failed to respond within the FCRA mandated timelines. This situation has caused me significant stress, fear, and emotional frustration. It is overwhelming to see fraudulent accounts tied to my name and to feel ignored after doing everything the law requires me to do. These inaccurate items are affecting my ability to move forward financially, care for my family, and maintain stability. I have been trying to correct something I did not create, yet Im the one suffering the consequences. No one should have to fight this hard just to clear their own name.

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