vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
In accordance with the fair reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX  Account Nunber XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX Account Number XXXX 15 u.s.c 1681 section 602A. States I have the rights to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also State a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. 9 ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a comsumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate. 


XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: GA

Complaint narrative:
In accordance with the fair reporting act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under usc 1681. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX  Account Nunber XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX  Account Number XXXX Account Name XXXX Account Number XXXX 15 u.s.c 1681 section 602A. States I have the rights to privacy.

15 u.s.c 1681 section 604 A Section 2 : It also State a consumer reporting agency can not furnish a account without my written instructions.

15 u.s.c 1681c. 9 ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 u.s.c 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a comsumer to any consumer reporting agency if the knows or has reasonable cause to believe that the information is inaccurate. 


XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Stellantis Financial Services US Corp.
State: AL

Complaint narrative:
I canceled my extended vehicle service contract on XX/XX/year>. XXXX Administrators confirmed the cancellation and a refund amount of {$2000.00}. 

Documentation shows that XXXX XXXX XXXX XXXX XXXX issued check # XXXX dated XX/XX/year>, payable to Stellantis Financial Services, in the amount of {$2000.00}.

Despite multiple phone calls, Stellantis Financial Services states verbally that they can not locate or find the check and has not reissued payment. They have refused to provide this position in writing. 

As of XX/XX/year>, more than 72 days have passed since cancellation and 24 days since the check was issued, and I have received no refund. 

Losing or misapplying a check does not relieve Stellantis of its obligation to remit funds owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MS

Complaint narrative:
around XXXX to possibly XXXX I lost access to my chime account I had to call the company and get them to get me back into it and also update phone numbers and email addresses which apparently had been changed after doing so I noticed transactions that I did not do and I disputed it not once but twice in all times was denied for a refund instead they closed my account to where now I can't get into it so today which is XXXX the XXXXXXXX XXXX I called them to try to get some answers and they were unable to give me answers and also unable to reopen my account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AR

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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MS

Complaint narrative:
Jefferson Capital Systems is attempting to collect a debt in the amount of {$560.00} that does not belong to me. I did not open this account and I did not authorize this debt. I am a victim of identity theft, and this account was opened fraudulently in my name without my knowledge or consent. 
I received collection mail from Jefferson Capital Systems regarding this alleged debt. I disputed the account and requested validation. Under the Fair Debt Collection Practices Act ( FDCPA ), they are required to provide verification of the debt, including the original creditor, the account opening date, and supporting documentation such as a signed contract or application. 
Because this debt is the result of identity theft and I did not open it, I am requesting that Jefferson Capital Systems cease collection activity and remove or request removal of the account from my credit reports. 
I am attaching my FTC Identity Theft Report as proof. I am also asking the CFPB to ensure that Jefferson Capital Systems follows federal law and stops collection activity on this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: AR

Complaint narrative:
I am sending this complaint as a formal consumer dispute regarding information currently being reported on my credit file. I believe strongly in maintaining accurate credit records, as credit reporting plays a significant role in financial stability, lending decisions, and long-term economic opportunity. Because of this, I regularly review my credit reports to ensure that all information being furnished is complete, accurate, and reported in compliance with federal law. During my most recent review of my credit report, I observed that three separate accounts furnished by DEPTEDXXXX, all associated with the same account series ending in XXXX, are being reported as 90 days late. These accounts were opened on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and currently reflect balances of {$3600.00}, {$3700.00}, and {$950.00}, respectively. All three accounts show a last active and reporting date of XX/XX/XXXX, indicating that they remain open, active, and ongoing obligations. 
While I acknowledge these accounts as mine, the manner in which they are currently being reported does not accurately reflect their true status or the way in which they have been handled. Reporting each of these accounts as severely delinquent creates a misleading impression of my payment history and overall financial responsibility. Given their active status and continued reporting, the information currently appearing on my file does not tell the full or accurate story of these obligations.

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 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: MS

Complaint narrative:
NTL RECOVERY ANGENCY, This is a formal request for validation and proof of authority to collect on the alleged debt you claim I owe. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

You are hereby required to provide all of the following documentation within 3 days of receiving this letter : 1. Proof that the alleged debt has been securitized ; 2. A complete copy of the purchase agreement or forward flow agreement, including all terms and conditions, between your company and the original creditor ; 3. If you are acting on behalf of the original creditor, the fully executed agreement between your company and the original creditor, authorizing you to collect this specific debt ; 4. Evidence of chain of title ( UNBROKEN ) and legal standing to collect ; 5. The original signed contract creating the obligation, with terms and conditions CEASE COMMUNICATIONS : As of this notice, you are prohibited from contacting me in any manner unless your communication includes all & only the specific items requested above within 3 days ( THIS MUST BE WRITTEN COMMUNICATION ONLY ). ANY OTHER communication including but not limited to additional collection notices, account updates, threats, settlement offers, phone calls, language about anything other than what was requested or emails will be considered a direct violation of 15 U.S.C. 1692c ( c ) and 15 U.S.C. 1692e.

Furthermore, if you can not provide all of the requested documentation within 3 days : - You are to immediately delete any and all reporting related to this alleged debt from all consumer reporting agencies ( CRAs ), pursuant to your responsibilities under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681s-2 ( b ). ( Estoppel by silence means you had a chance to speak but didnt )- You are to cease all collection activities permanently ; - You are to refrain from any further communication of any kind with me ; ( Cease all Communications ) ( I refuse to pay any debt you claim I owe ) ( All items must be from your company or you violate the cease communications if someone else sends it )- You must Immediately comply with the above. ( Nothing else will be accepted after 3 days when you receive this letter ) ( Anything sent after the 3 day window will violate the cease all communications ) Any non-compliance or improper communication will be considered willful misconduct and may subject your agency to civil liability under 15 U.S.C. 1681n ( FCRA ) and 15 U.S.C. 1692k ( FDCPA ), including because ( NTL RECOVERY AGENCY ) is the one reporting the account to the credit reporting agencies and no one else.

You must either ( 1 ) provide all requested documents within 3 days or cease reporting and contact altogether. There is no third option.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
There are {$30.00} on prepaid debit I received from my secret santa. I tried using the balance at a donut shop, a market, a XXXX, as a XXXX reload and/or XXXX. I can not grt it to work. I called the comany and they are ablw to verify balance bit are requesting all sorts of info XXXX to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

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 2025-12-18 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: CA

Complaint narrative:
I respectfully request the removal of this credit inquiry from my report, as I did not authorize it and have no association with the creditor involved. Please ensure its prompt deletion to maintain the accuracy of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Aidvantage denied my written request once again to change my loan information, which has been incorrect since XX/XX/year>. 6 years, I have been fighting with Aidvantage to remove this incorrect information because it is hurting my credit. The representative at Aidvantage told me that my last class was XX/XX/year>. I received my forbearance in XXXX, 2019. They are suppose to give you a 6 month grace period before they can collect on the loans. XXXX XXXX from XX/XX/year> would be XX/XX/year>. I received my forbearance in XXXX. They reported me XXXX XXXX LATE in XXXX. That means that I have been late for XXXX billing cycles which would have put my account delinquent in XXXX, which would be roughly 2 months after my last day of class not XXXX! '' This dispute has been going on for years and I am trying to purchase a vehicld but I keep getting high interest rates because of the reporting. Aidvantage not only violates the FCRA but the NJ Fair Credit Reporting Act. Violations listed as follows FCRA 1681s-2 ( a ) Reporting a XXXX late status before the XXXX grace period expired. 
FCRA 1681s-2 ( b ) Failing to conduct a " reasonable investigation '' after your written dispute.

NJSA 56:11-33 Violation of the NJ state-level requirement for reporting accuracy.

NJSA 17:16ZZ-2 Engaging in deceptive servicing practices ( reporting false dates ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX for XXXX pairs of shoes totaling {$1200.00}. The package was marked as delivered on XX/XX/year>, but only XXXX pair of shoes was received. 

I contacted XXXX to report the missing item, but they took several weeks to respond. Due to the delay, I contacted my bank and opened a dispute for merchandise not received. 

When XXXX eventually responded, I was led to believe that a refund would be issued once my bank dispute was closed. Relying on this representation, I proceeded accordingly. However, after the case was closed, XXXX did not issue any refund or replacement. 

I also contacted the shipping carrier and was informed that only the shipper is authorized to file a missing-item claim, leaving me without a way to resolve the issue independently. 

Despite submitting documentation, Discover declined to permanently credit the charge and relied solely on delivery confirmation, which does not establish that all items were delivered. 

As a result, I was charged {$1200.00} for merchandise that was not fully received. I am requesting CFPB assistance because both the merchant and Discover failed to resolve this issue. 



I have attached supporting documentation, including photos of the package and contents received, my written communications with XXXX, Discovers denial of my dispute, the letter I submitted to Discover requesting reconsideration, and the purchase receipt showing payment for two items. These documents demonstrate that the full order was not delivered and that I made good-faith efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: MD

Complaint narrative:
This XXXX bank lies through their teeth! XXXX, Executive Office of Customer Advocacy Enclosures, is a XXXX! Other banks waive a return check fee if it's a first time offense! You literally blamed me for everything. You won't say it to my face! You also sent a letter on XX/XX/XXXX that im restricted from messaging or calling discover agents. Yet almost XXXX months later you still dont let live chat for help! Your phone agents are useless! You said you want my business! Lies! You are looking for trouble! Your bank is XXXX and nothing special! You cheated me out of {$7.00} and showed no sampathy!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-18 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: Westlake Services, LLC
State: NC

Complaint narrative:
Westlake Financial is reporting improper debt which is a violation under the Fair Credit reporting act. This account was placed on my credit report 8 years ago, Ive had NUMEROUS conversations with them over the years informing them this was not my account. During this time, I didnt even have a job to financially liable for a vehicle. They stated they were provided with proof of income and identification. I asked for those documents and was NEVER provided those. A few years back I did get a letter regarding a class action suit against them, which I completed and never heard back from the attorneys office. Due to the nature of the longevity XXXX cant locate the attorney class action suit information. I began to contact this company again which stated due to it being well over 5 years they didnt have any information... on one occassion when I called them they brought up an account that had my name but incorrect DOB , which also proved this account wasnt mine. I have requested for this lender to verify all information and yet no success. Westlake failure to abide by the GLBA- Gramm Leach Bliley Act has caused me much distress and credit damages for over 8 years. They also didnt enforce the Red Flag Rule or the FTC Safeguard Rule. I will be moving forward to file a complaint with the FTC and contact the State Attorney General to get this account removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The creditor or furnisher is reporting a negative account with inaccurate or incomplete information. I have reviewed my credit report and found errors in the balance, payment history, and/or account status. Under the Fair Credit Reporting Act ( FCRA ) Section 623, furnishers must report accurate and verifiable information. I have requested verification and supporting documentation from the creditor, but they failed to provide proof of accuracy. Please investigate this matter and ensure the information is corrected or deleted if unverified. 

XXXX XXXX # XXXX XX/XX/XXXX XXXX {$1900.00} XXXX  XXXX # XXXX XX/XX/XXXXXXXX XXXX {$0.00} XXXX XXXX # XXXX XX/XX/XXXXXXXX XXXX {$7800.00}

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