vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: LA

Complaint narrative:
This reported late payment is the result of a systematic billing error by the company, not a reflection of my excellent payment history. I have always had my payments on autopay and was never late. The company failed to comply with 15 U.S.C. 1666b, as they did not send the required periodic statement at least XXXX  days before the payment due date. I have requested proof of this and it has not been provided. This error has caused significant harm to my credit and is unfair, illegal, and incorrect. I demand that this late payment be immediately removed from my consumer report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Miranda Holdings LLC DBA Total Credit Relief
State: OR

Complaint narrative:
I contracted with Total Credit Relief ( TCR ), located at XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX, for credit repair and debt relief services starting in XX/XX/year>. I agreed to automatic withdrawals of {$210.00} per month from my bank account.

The company promised to dispute and eliminate certain debts and improve my credit score. After nearly a year of payments, no debts have been removed, my credit has worsened, and one creditor has referred my account to collections with attorneys.

I believe Total Credit Relief has engaged in deceptive or fraudulent business practices and may be operating in violation of the Credit Repair Organizations Act ( CROA ) and New Jerseys Credit Services Organizations Act, which prohibit charging for services before they are performed and misrepresenting results.

I have now demanded cancellation of services, a full refund of all payments made ( approximately {$1700.00} ), and confirmation that all automatic withdrawals have been stopped. I am requesting an investigation into this companys practices and assistance recovering my funds.

________________________________________

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am disputing the following accounts reported by Equifax as they are showing inaccurate information that negatively impacts my credit report. I request a thorough investigation of these entries to ensure their accuracy. 

Disputed Accounts : 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 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 Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
b'Dear: CFPB\n\nI hope this message finds you well. \n\nI am writing to formally address a matter that has significant implications regarding my consumer rights under the Fair Credit Reporting Act (FCRA). Specifically, I wish to bring to your attention violations pertaining to my privacy and confidentiality as a consumer, as protected under federal law.\n\nAs per the provisions outlined in the Fair Credit Reporting Act, particularly under 15 U.S.C.  1681, it is established that individuals possess a fundamental right to privacy. Furthermore, 15 U.S.C.  1681, Section 604(a)(2) explicitly states that a consumer reporting agency is prohibited from furnishing a consumers credit report or account information without obtaining prior written authorization from the consumer in question.\n\nIn light of these regulations, I must highlight that 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, has unlawfully accessed and disseminated my personal account information without my express consent. This action constitutes a direct violation of my federally protected rights, specifically regarding my right to privacy and the requirement for written authorization before the release of my consumer information.\n\nI kindly request that you investigate this matter promptly and take the necessary corrective actions to rectify this situation. I would appreciate a written response detailing the steps that will be taken to address this violation and ensure compliance with the Fair Credit Reporting Act moving forward.\n\nThank you for your attention to this matter. I look forward to your prompt responseXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Email : XXXX Date : XX/XX/year> NCA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, KS XXXX Re : Formal Dispute & Debt Validation Request Original Creditor : To be confirmed by collector Account Number : As reported/ to be confirmed by collector To Whom It May Concern & CFPB Reviewer : I am disputing the accuracy, ownership, and validity of an alleged debt being reported by NCA This is a request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) and a dispute under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ). 



I am requesting written confirmation of the original creditor and full account number associated with this alleged debt, as only partial or insufficient information has been made available. 



Please provide : Identity of the original creditor A copy of the original agreement bearing my signature Complete itemization of the balance ( principal, interest, fees ) Proof that this debt was legally assigned/transferred to your agency Date of first delinquency and proof within statute of limitations Proof of authorization/licensing to collect in my state If you are reporting this account, you must : Mark the account as disputed Cease reporting until validation is supplied Provide proof all data furnished is accurate If you can not validate this debt, you must delete it from all credit bureaus under FDCPA and FCRA requirements. 



Please upload all validation documentation to the CFPB portal. If you choose to contact me directly, email only at : XXXX I do not consent to phone contact. 



Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: COMMERCE BANK
State: TX

Complaint narrative:
I am submitting this complaint against commerce banks for unlawfully obtaining and using my personal information ( including my name, address, and possibly other sensitive data ) to send unsolicited marketing communications. I am not a customer of this bank, yet I have repeatedly received advertisements via mail, phone calls, and/or text messages despite multiple complaints and the banks false assurances that the harassment would stop. 

Legal Violations Alleged : 1.Violation of the Telephone Consumer Protection Act ( TCPA ) : The bank sent unsolicited telemarketing calls/texts to my wireless number without express written consent, as required under 47 U.S.C. 227 ( b ) ( 1 ) ( A ) ( iii ). Additionally, they failed to honor my opt-out requests, violating TCPAs anti-harassment provisions.

2.Violation of the Fair Credit Reporting Act ( FCRA ) : The bank accessed or
obtained my personal information ( e.g., address, name ) from consumer reporting agencies without a permissible purpose under FCRA ( 15 U.S.C. 1681b ). As a non-customer, they lacked a legitimate business need to access my data for marketing purposes.

3.Unfair and Deceptive Practices Under the Consumer Financial Protection Act ( CFPA ) : The bank engaged in unfair practices by continuing to harass me after promising to stop, causing substantial injury I could not reasonably avoid. Their misrepresentations about ceasing communications also constitute deceptive acts under 12 U.S.C. 5531.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: PNC Bank N.A.
State: TX

Complaint narrative:
First of all, I got switched around on using credit card stacking last year. It should of been business credit before personal credit. Then, when waiting for my business credit to kick in, which took awhile because of the personal inquiries, my personal utilization was only at 25 %. I've been at 44 % before with no issues. I had opened XXXX XXXX XXXX XXXX XXXX XXXX, was doing transactions- not money laundering, and had added XXXX to my personal credit. I also had a risk mitigation plan going forward. But PNC sent me a letter stating they cut my limit from like XXXX to XXXX. The reasoning waz idiotic considering my past and the present facts at hand. Plus- they created a lose- lose situation. I've got 40 years experience to know businesses have a XXXX  behavior to them. This and other facts created a dominoe effect to virtually leave me stranded in the home. I've contacted them numerous times. Considering the big gambles the banks take, and lose on ; it makes no sense they would not want to work thru this. They only stand to gain from it. The people running the show need to be shown the door. People first!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have noticed that every month there is charge on one of my Chase Bank accounts for {$23.00} charged to a card number I did not recognize. I thought that the bank was charging the wrong customer for a regular service. I spoke to the local bank office and they assured me they were not issuing the charge. 

Using several search engines I was able to track down the organization that was making the charges. It is an unusual semi religious yoga operation run by a husband and wife. Their names are XXXX XXXX and XXXX XXXX. Their organization is XXXX. 
It appears to operate out of the USA and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NY

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 2025-11-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: PA

Complaint narrative:
The law firm Weltman , Weinberg & Reis Co., LPA has taken and threatened severe legal action against me based on a default judgment that I believe is invalid. 

I became aware that Weltman, Weinberg & Reis Co., LPA, had obtained a default judgment against me on behalf of its client, XXXXXXXX XXXX, for an alleged credit card debt of approximately {$3400.00}. 

I was never properly served with the lawsuit. I have no recollection of receiving a summons or complaint. This deprivation of due process, potentially constituting " sewer service, '' prevented me from exercising my right to defend myself. 

The law firm has since inflated the judgment balance to roughly {$4400.00} without providing me with a lawful, itemized breakdown of the $ XXXX increase upon my request. 

Most egregiously, the firm has threatened further negative action to garnish my bank account. A representative offered me a payment plan requiring an upfront payment of over {$950.00}. When I attempted to log in to their online payment portal to make this payment in good faith, the option to pay was not available. 

This sequence of eventsmaking a specific payment demand and then preventing me from fulfilling itis a deceptive " bait-and-switch '' tactic designed to create a false pretext for the severe action of garnishment. 

The firm 's actions, including enforcing a judgment likely obtained through improper service and engaging in deceptive collection tactics, violate the Fair Debt Collection Practices Act ( FDCPA ) and the Pennsylvania Unfair Trade Practices and Consumer Protection Law ( UTPCPL ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
My credit report includes collection accounts that I believe contain inaccurate information. Under 15 U.S.C. 1681e ( b ) and 15 U.S.C. 1681i, I am entitled to a credit report that is accurate and reliable. I am requesting that these collection entries be reviewed, and if they can not be verified as correct, they should be promptly deleted from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Despite repeated attempts to resolve these matters, Experian continues to allow damaging inaccuracies to persist on my credit profile. These unresolved errors are more than just frustratingthey are unjust, and they are actively interfering with my ability to move forward financially. 
time I apply for a loan, a credit card, or any financial opportunity, these incorrect entries stand as barriers that I shouldnt have to face. It is unacceptable that after multiple disputes, you still havent taken the appropriate steps to ensure your data is correct. Under the Fair Credit Reporting Act, you are legally required to verify every single reported item with original, legitimate documentation. If you can not confirm the accuracy of these records with credible, dated evidence, then these entries have no place on my report and must be removed immediately. I am demanding that you conduct a thorough reinvestigationnot a generic response, not a rubber-stamped review, but a meaningful audit backed by proper documentation. Continued delays and inaction will be treated as a deliberate and unlawful disregard of your obligations under federal law. Ive been more than patient, but my patience has run out.

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 2025-11-04 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I found incorrect details in my personal profile, including outdated or unfamiliar names, addresses, phone numbers, and employment history. Some of this information is not associated with me, and these inaccuracies could lead to misidentification or confusion with others. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately reflects my personal information. I am requesting a full investigation and prompt correction of these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Meridian Financial Services, Inc.
State: CO

Complaint narrative:
I am filing this complaint regarding a paid collection account reported by Aspen Collection for XXXX XXXX XXXX XXXX XXXX. The account shows a {$0.00} balance and has been fully paid and closed, yet it continues to appear on my XXXX credit report as a derogatory collection account. 

This information is inaccurate and misleading, as the debt has been satisfied and should no longer negatively impact my credit. The account does not appear on my XXXX XXXX XXXX reports, which raises further concern about inconsistent and inaccurate reporting. I have contacted Aspen Collection to correct this issue, but the account remains on my XXXX report. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers are required to report accurate and complete information. Continuing to report a paid collection with a XXXX balance as derogatory violates these standards and unfairly affects my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
This is a follow up to my previous most recent complaint regarding USAA. 
In that prior case, USAA stated that the {$320.00} compensation payment I received was unrelated to the improper freezing and closure of my account. However, I have since received an email from USAA confirming that I am eligible for additional compensation under the same remediation program tied to that account closure. 
This new correspondence directly contradicts the companys earlier statement to the CFPB and demonstrates that the {$320.00} payment was indeed part of the settlement for the account issue. I believe USAAs prior response to the CFPB contained materially misleading information.

I am submitting this new complaint to provide evidence of the inconsistency and to request that the CFPB re-evaluate the matter or refer it for enforcement review to determine whether USAA misrepresented facts in their earlier response. I also have a complaint currently open with OCC.

Supporting documentation : recent USAA email showing eligibility for further compensation.

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 2025-11-04 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: FL

Complaint narrative:
The following accounts are fraudulent and I want these removed from my credit report immediately XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief