vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX XXXX regarding the late payments they have reported on my credit card accounts during a period of verified medical hardship. XXXX XXXX has not provided any evidence to confirm the accuracy of these late marks, and they have not completed a fair or individualized review of my goodwill request. 
In XXXX, I experienced a severe and unexpected medical crisis when my daughter was born prematurely at XXXX weeks gestation. She required multiple emergency surgeries, including removal of her eye, and spent XXXX  months in the XXXX. I had to leave my job and temporarily relocate to another state to care for her full-time. This resulted in an unexpected loss of income and significant financial hardship. 
The late payments on my XXXX XXXX accounts occurred during this medical emergency. Before this hardship, I maintained a perfect payment history. After the hardship ended, I immediately resumed on-time payments and have maintained perfect payment history ever since. 
I mailed a goodwill request to XXXX XXXX explaining my hardship, supported by medical circumstances. XXXX XXXX did not acknowledge the hardship or conduct an individualized review. Instead, they continue to report the late payments without providing any documentation or proof that the late payments were XXXX days past due as required under the FCRA XXXX 
I am not disputing that I struggled during a medical crisis. I am disputing whether XXXX XXXX has properly verified the accuracy of the late reporting, and I am requesting that they perform a fair review consistent with the FCRA and their own member-support policies. The late marks from this period of hardship continue to severely damage my credit despite my otherwise responsible payment history and the fact that the hardship was temporary and medically unavoidable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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 writing to dispute the following accounts on my Experian credit report. The accounts listed below have been inaccurately reported, and I request a thorough investigation into their accuracy and status : Charged Off Accounts XXXX  XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$590.00} XXXX XXXX BANK - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$640.00} XXXX BANK XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$880.00} XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$160.00} XXXX XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$4300.00} XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Balance : {$3300.00} Inquiries XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXXXXXX BANK XXXX  - Date : XX/XX/XXXX XXXX - Date : XX/XX/XXXX Positive Accounts No positive accounts listed for Experian. 

Late Payment Accounts XXXX - Account Number : XXXX Please investigate and correct any inaccuracies.

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 2025-11-14 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: CA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Good day, I am writing to request the removal of the following late payment on my credit report. This is a billing error. I was never late on this payment. I always paid on time in my account is on auto pay. Please update to never late. Im attaching all the necessary documents on this letter.

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 2025-11-14 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the continued failure of Equifax, Experian, and TransUnion to comply with their legal obligations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attempted for an extended period to resolve multiple inaccuracies that these bureaus continue to report, including items placed on my credit file without permissible purpose and without proper verification. 

Despite my prior attempts to dispute these accounts, the bureaus have continued to publish information that is inaccurate, unverifiable, and not XXXX XXXX percent accurate as required under 15 US Code 1681e ( b ). These accounts were reported by furnishers and debt collectors without proper authorization and without compliance with federal accuracy standards. 

I am currently pursuing legal action due to the bureaus repeated failures to correct these issues. This serves as my formal notice that litigation is in process. Under federal law, any willful noncompliance falls under 15 US Code 1681n, and negligent noncompliance falls under 15 US Code 1681o. Additionally, there may be civil liability under 15 US Code 1692k for related violations. 

Under the FCRA, the disputed items must be removed immediately while litigation is pending. Continued reporting of these inaccurate and unauthorized items after notice of ongoing litigation constitutes further violations. Failure to delete the disputed accounts will result in liability of up to XXXX XXXX dollars per violation under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I am filing this complaint because Bank of America has reported late payments on my credit report that occurred during a verified and severe medical hardship, and they have failed to acknowledge, investigate, or verify the accuracy of their reporting. 
In XXXX, I experienced an extreme medical crisis when my daughter was born at XXXX weeks XXXX. She required multiple XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and spent XXXX  months in the XXXX. During this time, I had to stop working and temporarily relocate to be with her, which resulted in an unavoidable loss of income. This hardship directly caused a temporary disruption in my payment ability. 
Before this crisis, I had a strong history of on-time payments with Bank of America XXXX After the hardship ended, I resumed perfect on-time payments and have maintained responsible account behavior ever since. 
I mailed Bank of America a goodwill request explaining my hardship and requesting a one-time courtesy adjustment. They never responded at allno acknowledgment, no investigation, and no verification regarding the late payments they reported. 
Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to : Investigate disputes, Provide verification of reported negative information, and Ensure maximum possible accuracy of all reporting. 
Bank of America has not : Responded to my dispute, Verified that the late payments were actually 30+ days delinquent, Provided any documentation, or Reviewed my hardship circumstances in good faith. 
I am not disputing that I experienced hardship. I am disputing Bank of Americas lack of verification, lack of investigation, and failure to review my goodwill request. 
The late marks tied solely to a medical emergency continue to significantly damage my credit despite consistent positive history before and after that period.

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 2025-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Avant Holding Company, Inc.
State: NC

Complaint narrative:
Avant credit card company keeps charging me for false over the limit usages and they are reporting that I am not making my payments on time and then send email apologizing

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Public record information inaccurate
Company: Nelnet, Inc.
State: FL

Complaint narrative:
This is supplemental information for complaint ID # XXXX and # XXXX. 

During the federal student-loan payment restart, my auto-debit/auto-draw was turned off unexpectedly. I did not receive clear notice that automatic payments would not process when payments resumed after the multi-year pause. Because of this automatic payment failure, a late payment was reported even though I had previously relied on auto-debit to keep my account in good standing. 

Once I realized the payment had not been processed, I immediately submitted an XXXX XXXX application. I was approved right away, and my account is now fully current with a {$0.00} payment. 

I am requesting removal of the recent late-payment reporting because the delinquency resulted from auto-debit being XXXX during the restart, combined with unclear and inconsistent notifications from the servicer. This is not an accurate reflection of my repayment efforts or intent to maintain the account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Rent Recovery Solutions
State: MO

Complaint narrative:
This Account is involved in litigation. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

Company response to consumer: Untimely response
Consumer complaint received 2025-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
My Capital One Basic Business Account ending in XXXX was closed due to a unpaid overdraft and fees of {$130.00}. A check was deposited in the amount of {$560.00}. Capital one will not send me the remaining {$420.00} that is owed to me. I received a letter XX/XX/year>, saying that a check would arrive in 30 Days. I have been asking for a refund since XX/XX/year>. Today is XX/XX/year>, and I have not received my check. The letter sent was signed by a person named XXXX, no last name. The number on the letter is XXXX ext. XXXX. I have called to speak with this person several times and left several voicemails and no one has responded nor returned my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-11-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am writing to formally express my dissatisfaction and concern regarding a domestic wire transfer and XXXX payments I attempted to recall through PNC Bank. The transfers were in the amounts of wire {$2500.00} XX/XX/year>, XXXX XXXX {$600.00}, XXXX {$600.00}, XXXX {$300.00}. I reported these transfers the next business day ( XX/XX/year> and XX/XX/year> ) to PNC, and I was told false information bc someone from customer service clearly stated that these transfers can be reversed if still pending, which they were at the time. 

I received letters from PNC Bank stating that my recall requests could not be completed due to my description. I find this reasoning unacceptable and unclear. I clearly stated in my recall requests that these transfers were the result of fraudulent transactions for a service scam. Someone impersonated a bank representative. There should be no confusion about the nature of these recalls, they were unauthorized under deceptive circumstances, and I reported them as such. 

I am extremely disappointed with how this matter has been handled. As a loyal PNC customer, I expected my concerns about being defrauded to be taken seriously and investigated thoroughly. Instead, I feel that my situation has been dismissed without proper consideration. 

Given the circumstances, I am formally requesting that PNC Bank reopen the investigation and initiate a refund of the total {$4000.00}. I believe it is within their responsibility to assist customers who have fallen victim to scams, especially when the fraud was reported promptly. 

I kindly asked PNC to provide a written response explaining why these recalls were denied and what specific information they claim was insufficient. I expect transparency and accountability regarding how this decision was reached. Or I will need to seek legal action. 

I look forward to your prompt response and resolution to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: IL

Complaint narrative:
Ability recovery services for {$870.00} this debt has been paid in full by a third-party I have sent numerous of this debt was paid XXXX years ago in ability recovery service refused to remove this 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 explanation
Consumer complaint received 2025-11-14 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

Complaint narrative:
I disputed an inaccurate high balance on my XXXX Bank credit card ( opened XX/XX/year> ) after it was reported on XX/XX/year> showing a {$2300.00} balance against a {$2000.00} limit. This incorrect 119 % utilization caused my credit score to drop. I filed a complaint with XXXX Bank through the CFPB, but TransUnion has not corrected or updated the inaccurate balance, even after being notified of the dispute. 
Under FCRA 611 ( a ) and 607 ( b ), TransUnion must conduct a reasonable reinvestigation and ensure maximum possible accuracy. Continuing to report a balance that is inaccurate, unverified, or disputed is harming my credit.

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 2025-11-14 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am submitting this complaint regarding the continued failure of Equifax, Experian, and TransUnion to comply with their legal obligations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attempted for an extended period to resolve multiple inaccuracies that these bureaus continue to report, including items placed on my credit file without permissible purpose and without proper verification. 

Despite my prior attempts to dispute these accounts, the bureaus have continued to publish information that is inaccurate, unverifiable, and not XXXX XXXX percent accurate as required under 15 US Code 1681e ( b ). These accounts were reported by furnishers and debt collectors without proper authorization and without compliance with federal accuracy standards. 

I am currently pursuing legal action due to the bureaus repeated failures to correct these issues. This serves as my formal notice that litigation is in process. Under federal law, any willful noncompliance falls under 15 US Code 1681n, and negligent noncompliance falls under 15 US Code 1681o. Additionally, there may be civil liability under 15 US Code 1692k for related violations. 

Under the FCRA, the disputed items must be removed immediately while litigation is pending. Continued reporting of these inaccurate and unauthorized items after notice of ongoing litigation constitutes further violations. Failure to delete the disputed accounts will result in liability of up to XXXX XXXX dollars per violation under federal law.

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 2025-11-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am submitting this complaint regarding the continued failure of Equifax, Experian, and TransUnion to comply with their legal obligations under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. I have attempted for an extended period to resolve multiple inaccuracies that these bureaus continue to report, including items placed on my credit file without permissible purpose and without proper verification. 

Despite my prior attempts to dispute these accounts, the bureaus have continued to publish information that is inaccurate, unverifiable, and not XXXX XXXX percent accurate as required under 15 US Code 1681e ( b ). These accounts were reported by furnishers and debt collectors without proper authorization and without compliance with federal accuracy standards. 

I am currently pursuing legal action due to the bureaus repeated failures to correct these issues. This serves as my formal notice that litigation is in process. Under federal law, any willful noncompliance falls under 15 US Code 1681n, and negligent noncompliance falls under 15 US Code 1681o. Additionally, there may be civil liability under 15 US Code 1692k for related violations. 

Under the FCRA, the disputed items must be removed immediately while litigation is pending. Continued reporting of these inaccurate and unauthorized items after notice of ongoing litigation constitutes further violations. Failure to delete the disputed accounts will result in liability of up to XXXX XXXX dollars per violation under federal law.

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 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TrueAccord Corp.
State: OK

Complaint narrative:
I have XXXX different collection agencies. I XXXX XXXX and XXXX XXXX attempting to collect the same account for XXXX severly impacting credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: Freedom Mortgage Company
State: MN

Complaint narrative:
Freedom mortage Quote their website 's " each year '' line, then counter with HUD XXXX XXXX XXXX XXXX XXXX is calculated monthly on average XXXX  recalculate now for {$22000.00} aXXXX XXXX XXXX XXXX XXXX XXXX audit/refund overpayments since XX/XX/XXXX. '' XXXX with XXXX id XXXX XXXXXXXX. Stated hud XXXX she stated XXXX  will go down in XX/XX/XXXX. They don't get to choose when. It's based on XXXX  unpaid balance. My XXXX  was XXXX for XXXX. When my balance was XXXX XXXX  was XXXX. She said XXXX on paid down balance XXXX til XX/XX/XXXX. Not calculating mip EVERY month for years

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