vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: DISCOVER BANK
State: NC

Complaint narrative:
I am submitting this complaint regarding my Discover credit card account and my request for temporary medical hardship assistance. 

I recently experienced a XXXX XXXX XXXX XXXX and am currently dealing with a XXXX XXXX XXXX. Due to these medical conditions, my doctor has temporarily taken me out of work, resulting in reduced income. I also have XXXX scheduled, which will extend my XXXX XXXX before I am able to return to work. 

I contacted Discover proactively to request short-term hardship relief so that I could prevent my account from becoming delinquent during this medically documented hardship. During this call, I was told that my account would need to be severely delinquent in order to qualify for hardship assistance. I do not believe it is reasonable or fair to require a customer to intentionally fall behind before receiving help, particularly when the customer is acting in good faith to avoid delinquency. 

I am a long-time Discover customer, and I have paid this account balance in full in lump sums in the past. This hardship is temporary, and I fully intend to return to work once medically cleared. I am hoping to pay this balance in full again in 2026, once my income stabilizes. 

I am not seeking to avoid my obligations. I am requesting temporary hardship assistance only, such as a reduced payment or short-term accommodation, so that I can remain in good standing during my medical leave and upcoming XXXX recovery. 

Requiring severe delinquency before offering hardship relief discourages responsible, proactive behavior and exposes consumers to unnecessary fees, interest, and credit damage.

I respectfully request that Discover : 1. Provide temporary medical hardship assistance without requiring intentional delinquency ; 2. Offer a reduced or deferred payment option for a limited period ; 3. Waive or credit any fees assessed during the hardship period ; 4. Ensure the account is not negatively reported to credit bureaus while under an approved hardship arrangement ; and 5. Clearly communicate hardship eligibility criteria and terms in writing. 

I appreciate the CFPBs assistance in ensuring fair and reasonable treatment during a documented, temporary medical hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: PA

Complaint narrative:
XXXX XXXX  is reporting a hard credit inquiry that I did not authorize. In response to my prior CFPB complaint, XXXX claimed that an in-person application occurred. This statement is conclusory and unsupported by evidence. 

XXXX has failed to provide any documentary proof that I authorized this inquiry, including but not limited to a signed application, electronic application records, IP address data, device identification, branch location, employee ID, or method of identity verification used.

Under the Fair Credit Reporting Act, a furnisher may not report information unless it has a permissible purpose and must be able to verify the accuracy of the information reported. Simply asserting that an application occurred does not satisfy XXXX statutory obligations under FCRA 604 and 611.

I formally requested verification of authorization and XXXX has failed to provide the method of verification required by law. Reporting an unverifiable inquiry constitutes inaccurate and unlawful credit reporting. 

Additionally, continuing to report this inquiry after being placed on notice of a dispute constitutes willful noncompliance with the FCRA.

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 2025-12-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: AmeriCollect
State: OH

Complaint narrative:
I am unaware of this debt, I do not use this facility they are describing I owe debt to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the collection account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B Identity Theft ). 
1-Account name XXXX XXXX XXXX account number : XXXX XXXXAccount name XXXX XXXX acount number : XXXX XXXX XXXX XXXX account number : XXXX is the result of identity theft and fraud. I did not open, authorize, or benefit from this account in any way. 
Pursuant to FCRA Section 605B, once a consumer notifies a consumer reporting agency that information resulted from identity theft and provides an identity theft report, the credit reporting agency must block the reporting of the fraudulent information within four ( 4 ) business days and may not reinsert it unless legally permitted under the statute. 
This letter serves as my formal request for immediate blocking and permanent removal of the fraudulent collection account from my credit file. 
I am enclosing/attaching the following as required under the FCRA : Proof of identity Proof of address Identity Theft Report ( FTC Identity Theft Affidavit and/or police report ) Please note : Continued reporting of this account after receipt of this notice constitutes willful noncompliance under the FCRA. 
Any reinsertion without proper certification would be a direct violation of 15 U.S.C. 1681c-2 ( b ). 
Failure to comply may result in complaints fileBureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuit of civil remedies under 15 U.S.C. 1681n and 1681o. 
I expect written confirmation that this fraudulent account has been blocked and removed from my credit report. 
Thank you for your prompt compliance with federal law. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ZWICKER & ASSOCIATES
State: AK

Complaint narrative:
I do not owe this debt, my daughter opened a XXXX charge account in XXXX of XXXX without my knowledge and she confessed she was paying for it until it was too much for her. She enrolled it in a credit consolidation service program with XXXX XXXX XXXX on XXXX of XXXX. She pays {$350.00} a month to them and was hoping that they were negotiating with XXXX to come to a settlement. Unfortunately that didn't happen and in XX/XX/XXXX XXXX filed suit. My daughter reached out to XXXX XXXX XXXX when she found out in XXXX when they tried to serve me at her address. XXXX XXXX XXXX tried to negotiate with the creditor, the balance of the debt is {$8800.00} and they only brought it down to a little over {$7000.00} with monthly payments of {$290.00} a month which is not really a decent offer. Due to the aggressiveness of this Creditor and the fact that their attorneys at Zwicker & Associates have never reached out or provided any proof that they sent out demand letters prior to filing suit my daughter removed this Creditor from the program with XXXX XXXX XXXX  She filed an answer to the court with a personal letter to the judge explaining the situation and also submitted a settlement agreement to lower the debt to {$5300.00} and make monthly payments of {$200.00}. No one has reached out to settle this and the court has denied the settlement agreement. 
I am upset with all of these companies for not following standard legal procedures. With XXXX XXXX XXXX for not reaching out sooner to the Creditor and just having it sit there for a year in a program you thought was handling this. The complaint states that XXXX merged with XXXX  XXXX as of XX/XX/XXXX yet I never received anything prior to XXXX from XXXX XXXX, XXXX or Zwicker and Associates stating that they were taking legal action or we could've handled this outside of litigation. My daughter has power of attorney to handle this debt in my name now but XXXX XXXX from Zwicker and Associates nor anyone from his office has communicated when they said they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally dispute the recent response provided in regard to my complaint filed with the Consumer Financial Protection Bureau ( CFPB ) concerning the inaccurate reporting of a bankruptcy on my credit file. I have serious concerns about the validity of credit bureaus verification process and the credibility of the information allegedly used to substantiate this reporting. The CFPB response states that the disputed public record, labeled as Public Record - Federal - XXXX VERIFIED AS REPORTED, '' has been reviewed and verified. However, I have obtained clear, written confirmation from the relevant court XXXX BANKRUPTCY XXXX that they do not report or furnish bankruptcy proceedings information to credit reporting agencies. This official statement from the court raises serious questions about who, in fact, provided the information used in your " verification '' process. Furthermore, I contacted XXXX, a known third-party data provider, and they confirmed that they have no record of the bankruptcy account in question. This evidence contradicts any claim that the information was verified as reported. Given that : 1. 2. The court itself has stated it does not report information to credit bureaus. XXXX, a potential data source, has confirmed no record of the account. It is clear that TransUnion lacks a reliable and valid source to justify the continued reporting of this bankruptcy on my credit file. This failure in the verification process constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires that consumer reporting agencies conduct a reasonable investigation to ensure the accuracy of information included in consumer files.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-25 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 formally dispute the accuracy of the collection account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B Identity Theft ). 
1-Account name XXXX XXXX XXXX account number : XXXX XXXXAccount name XXXX XXXX acount number : XXXX XXXX XXXX XXXX account number : XXXX is the result of identity theft and fraud. I did not open, authorize, or benefit from this account in any way. 
Pursuant to FCRA Section 605B, once a consumer notifies a consumer reporting agency that information resulted from identity theft and provides an identity theft report, the credit reporting agency must block the reporting of the fraudulent information within four ( 4 ) business days and may not reinsert it unless legally permitted under the statute. 
This letter serves as my formal request for immediate blocking and permanent removal of the fraudulent collection account from my credit file. 
I am enclosing/attaching the following as required under the FCRA : Proof of identity Proof of address Identity Theft Report ( FTC Identity Theft Affidavit and/or police report ) Please note : Continued reporting of this account after receipt of this notice constitutes willful noncompliance under the FCRA. 
Any reinsertion without proper certification would be a direct violation of 15 U.S.C. 1681c-2 ( b ). 
Failure to comply may result in complaints fileBureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuit of civil remedies under 15 U.S.C. 1681n and 1681o. 
I expect written confirmation that this fraudulent account has been blocked and removed from my credit report. 
Thank you for your prompt compliance with federal law. 
Sincerely,

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 2025-12-25 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: TX

Complaint narrative:
I am writing to formally dispute the accuracy of the collection account listed on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2 ( Section 605B Identity Theft ). 
1-Account name XXXX XXXX XXXX account number : XXXX XXXXAccount name XXXX XXXX acount number : XXXX XXXX XXXX XXXX account number : XXXX is the result of identity theft and fraud. I did not open, authorize, or benefit from this account in any way. 
Pursuant to FCRA Section 605B, once a consumer notifies a consumer reporting agency that information resulted from identity theft and provides an identity theft report, the credit reporting agency must block the reporting of the fraudulent information within four ( 4 ) business days and may not reinsert it unless legally permitted under the statute. 
This letter serves as my formal request for immediate blocking and permanent removal of the fraudulent collection account from my credit file. 
I am enclosing/attaching the following as required under the FCRA : Proof of identity Proof of address Identity Theft Report ( FTC Identity Theft Affidavit and/or police report ) Please note : Continued reporting of this account after receipt of this notice constitutes willful noncompliance under the FCRA. 
Any reinsertion without proper certification would be a direct violation of 15 U.S.C. 1681c-2 ( b ). 
Failure to comply may result in complaints fileBureau ( CFPB ), Federal Trade Commission ( FTC ), and pursuit of civil remedies under 15 U.S.C. 1681n and 1681o. 
I expect written confirmation that this fraudulent account has been blocked and removed from my credit report. 
Thank you for your prompt compliance with federal law. 
Sincerely,

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 2025-12-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint concerns ONE specific check deposit that Chase confirmed was verified. 

In 2024, I deposited three checks. Chase was able to verify with my uncle for the {$9700.00} check and it was available, but later put another hold on my account and eventually closed my account for the other two because of unverifiable phone numbers. This complaint is NOT about the other two checks and I am not disputing Chases decision to close my account. 

Despite verification, Chase never released the proceeds of the verified check to me. I also never received written notice, a mailed check, or documentation showing that the funds were returned to the issuing bank. 

I am requesting that Chase provide : 1 ) Immediate payment of the verified funds, OR 2 ) Documentary proof of lawful return of the funds, including trace numbers and dates. 

To date, Chase has failed to account for the disposition of verified funds. Retaining verified funds without payment or proof of return constitutes improper withholding. 

I am requesting CFPB assistance in requiring Chase to either release the funds or provide written evidence of where the money went.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
A few days ago, I received a letter from you stating that you have ceased investigation of my credit reports because you claim I may have used a third-party credit repair agency. This assertion is irrelevant and unlawful. The Fair Credit Reporting Act ( FCRA ) does not permit a credit reporting agency to deny or delay a consumers dispute rights based on speculation about third-party involvement. Your refusal to investigate is nothing more than a stall tactic designed to improperly extend your compliance period, and it constitutes a direct violation of federal law. Despite my previous disputes, unverifiable accounts, inquiries and personal information is still reporting on my credit report causing ongoing harm, including lowered credit scores, denial of credit, and reputational damage. This conduct demonstrates willful noncompliance under 1681n, exposing the bureau to statutory and punitive damages.

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 2025-12-25 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

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 2025-12-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: GA

Complaint narrative:
XX/XX/year>, letters of validation was sent to the company that include explanation and debt not being validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
They have repeatedly reported and documented inaccurate information on 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 2025-12-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Im writing to formally dispute an inaccurate tradeline currently being reported on my credit file. The information being reported is not accurate, and more importantly, it fails to meet the standard of maximum possible accuracy as required by 15 U.S. Code 1681e ( b ) of the Fair Credit Reporting Act. 

Let me be clear if a tradeline can not be reported with complete and verifiable accuracy, then you are not legally allowed to report it at all. Right now, the way this account is appearing on my credit report is misleading, harmful, and not reflective of my true credit history. Thats unacceptable, and I will not sit back while my credit profile is being damaged by something that shouldnt even be there. 

As a consumer, I am exercising my legal right under federal law to demand that this inaccurate tradeline be removed in full. If you can not ensure that every detail balance, status, dates, payment history, and ownership is correct and fully substantiated, then it must be deleted. Reporting anything less than 100 % accurate information is a direct violation of your obligations under the FCRA.

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