vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: CBC Companies, Inc.
State: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 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: CA

Complaint narrative:
The reported entries are inaccurate and do not reflect my true payment history. I have made several attempts to have these discrepancies reviewed and corrected, but no substantial action has been taken. Even after submitting all required documentation and following up multiple times, the errors remain unresolved. This situation has created financial hardship and has significantly impacted my well-being. Addressing these inaccuracies has become a stressful and exhausting process. 
According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that truthfully represents my financial history, including the prompt correction of any outdated or incorrect information. I respectfully request immediate action to correct or remove these late payment entries. Failure to do so would constitute a violation of my rights under federal law. 
Thank you for your prompt attention to this matter. I expect a swift and appropriate resolution.

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 2025-11-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Nelnet, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XX/XX/year> XXXX  Request for Chain of Custody Documentation NELNET/ Department of Education XXXX XXXX Last XXXX of XXXX Account # XXXX To Whom It XXXX Concern, I am formally requesting that your office obtain and provide the complete chain of custody documentation for the Department of Education account currently being reported on my credit file. This request includes, but is not limited to : All documents showing the transfer, assignment, sale, or handling of this account from its origin to its current status Any promissory notes, agreements, or contracts bearing my signature Records showing how this debt was verified, validated, and authenticated Any custodial or handling records demonstrating compliance with federal reporting requirements Under the Fair Credit Reporting Act ( FCRA ), I have the right to request information used to verify the accuracy of the data currently being reported. As such, I expect the reporting furnisherthe Department of Education or its servicersto present complete proof of ownership and proper handling of this account. 

If the requested information can not be produced, I am requesting that the entry be corrected or removed from my credit report as required by law. 

Please provide your findings and documentation to me in writing at the address above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Meta Payments Inc.
State: MA

Complaint narrative:
My XXXX account was recently disabled without a clear or detailed explanation. I received a notice stating that my account was removed for

violating Instagrams Terms of Use or Community Guidelines, but I was not provided with specific information about what content or activity led to this action. I have reviewed the Community Guidelines, and to my knowledge, I did not engage in any activity that would warrant permanent removal. I use XXXX primarily for personal communication and staying connected with friends and family, so the sudden loss of access has caused significant disruption. 

I have attempted to appeal through the in-app and web forms, but the responses have been generic and do not explain what was reviewed or why the account can not be restored. Without specific details, I am unable to understand the reason for the closure or address any misunderstanding that may have occurred.

I am requesting the following : 1. A full review of my account, 2. The specific reason for the disabling decision, and 3. Any information about the content or activity that triggered the action.

If there is no clear basis for a permanent ban, I kindly request reinstatement of my account. At minimum, I would appreciate a more complete explanation of the determination that was made.

Thank you for taking the time to review my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
Description of what happened On XX/XX/year>, I submitted a dispute to each credit bureau requesting that they verify an account that appears on my credit report. I asked the bureaus to provide all documentation proving that this account belongs to me. I clearly stated that this account is not mine, and I have never had this account. 

Despite my request, the account remains on my credit report. This inaccurate information is negatively affecting my XXXX XXXX and my overall credit standing. I am requesting that the credit bureaus complete a proper investigation and remove this account from my credit report as it does not belong to me. 

I am seeking assistance from the CFPB to ensure that this incorrect and harmful information is corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
My information was heisted and this accounts are fraudulent and do not belong to me. I would like these accounts completely removed from all three credit bureaus 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 explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
In XXXX 2025, I was a XXXX monthly subscription customer. XXXX incorrectly charged me an unexpected increase of {$200.00} for the Loss Damage Waiver ( LDW ). I immediately contacted XXXX and was told by their customer service that this amount would be refunded and that the billing issue was a system error, not my fault. 

However, XXXX never issued the refund they promised. Since the overcharge remained unresolved for weeks, I filed a legitimate dispute with American Express, which was later resolved in my favor by Amex after their investigation. 

After the dispute was resolved, XXXX placed me on their internal Blocked List, refused to renew my subscription, and demanded that I reverse the chargebackeven though the chargeback was the result of their own billing error and failure to issue the refund they promised in writing. 

XXXX also provided conflicting explanations to different parties : In emails to me, they acknowledged the charge was a system error and promised a refund. 
In their XXXX response, they claimed the charge was valid and insisted I owed them money. 
They also told XXXX that they had a discount workaround, but they never communicated this to me before the dispute and never applied any recurring discount on my invoices. 

Their actions appear retaliatory, misleading, and harmful to consumers. Blocking my account and demanding reversal of a valid chargeback is inappropriate and has disrupted my transportation plans. Their accounting department has ignored my emails for weeks. 

I believe this behavior constitutes unfair billing practices, retaliation for filing a chargeback, and misrepresentation of charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: CITIBANK, N.A.
State: NY

Complaint narrative:
I ordered a dress from XXXXXXXX XXXX XXXX  which is an online retailer from XXXX. Their main communication is via whatsapp and this is the portal from which I paid for the item in the amount of XXXX dollars. They promised a certain ship date ( before event ) and I still have not received item nor will they accept cancellation considering now the event is long past. All the proof and communication were sent to citicards yet they have decided in favor of the company despite the fact that I do not even have the item nor even any proof that it is in transit. They merely approved the company side from random policy documents that XXXX 's tsent them that was not made clear to me. They have not sent me any updates on the situation. I have contacted citi numerous times without resolution. Based on reviews, this Pernias Popup has been violating consumer 's trut habitually.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-11-17 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
" I am disputing the collection account from TRANSWORLD SYSTEM INC/ ( Original Creditor : XXXX XXXX, XXXX  Account # XXXX, Balance {$660.00} ). This collection is inaccurate and/or unverifiable. Crucially, this exact account has been successfully removed from my XXXX and XXXX  reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Im filing this complaint because Ive now disputed the same issue twice with the credit bureau, and my personal information is still not being corrected. Im honestly frustrated at this point because Ive already provided proof of my correct address, and yet my credit report from XX/XX/XXXX is still showing multiple old and incorrect addresses and even one being shown as my current address when it isnt.

I really dont understand how this wasnt fixed the first time. Accurate personal information is the foundation of a correct credit file, and this is something the bureau is required to maintain under the FCRA. I gave everything needed to verify my current address the first time, but my file is still wrong.

Heres whats still showing on my report that should not be there : Addresses that should be deleted : XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX Employer that should be deleted : XXXXXXXX XXXX XXXX Date Updated : XX/XX/XXXX XXXXXXXX XXXX XXXX Date Updated : XX/XX/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 2025-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My XXXX account was recently closed without any clear or specific explanation. I received a notification that my account was permanently closed, but XXXX  has not provided any details about what triggered this action, nor have they explained what information was reviewed or what policy they believe was violated. 

I rely on this account for personal transactions and to send/receive money with friends and family, and the sudden closure has caused significant inconvenience. I have reached out to XXXX support team multiple times seeking clarification, but each response was a generic statement that my account could not be reopened. No specific reason or evidence has been provided, and I have not been informed of any steps I can take to resolve the issue. 

To my knowledge, I did not violate any terms of service. I would like XXXX  to conduct a full review of my account and provide : 1. The specific reason for the account closure, 2. The policies or criteria used to make this decision, and 3. Any documentation supporting the closure. 

If there is no legal or regulatory basis to keep my account closed, I am requesting that XXXX  restore access or provide a more detailed explanation of their determination. 

Thank you for your assistance in obtaining a clear, complete response from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: LA

Complaint narrative:
My credit report contains multiple inaccurate, outdated, and unverifiable accounts. This violates FCRA 602, 605 ( a ), 607 ( b ), and 611 ( a ), which require consumer reporting agencies to ensure accuracy and proper verification.

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 2025-11-17 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ( XXXX ) Consumer Financial Protection Bureau Re : Formal Demand for Deletion of Inaccurate and Unverified Information To Whom It May Concern, Upon reviewing my recent credit report, I have identified several items that are inaccurate, unverified, and incomplete. As a consumer, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) to demand immediate investigation and correction of these errors. 
Disputed Items : XXXX XXXX XXXX  Reported : XXXX XXXX, XXXX  {$510.00} -XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  {$4900.00} -XXXX XXXX XXXX Reported : XXXX XXXX, XXXX  {$1100.00} -XXXX XXXX XXXXXXXX Reported : XXXX XXXX, XXXX  {$610.00} -XXXX XXXX XXXX XXXXXXXX Reported XXXX XXXX XXXX XXXX XXXX {$520.00} XXXXXXXX XXXX XXXX XXXX  Reported : XXXX XXXX XXXX XXXX  {$2200.00} -XXXX XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$6600.00} I do not have any knowledge or contractual relationship with the accounts listed above. I hereby demand that you verify and validate these items directly with the original creditor.

Under the FCRA 623 ( a ) ( 3 ) And FDCPA 809 ( b ) ( 15 U.S.C. 1692g ( b ) ), you are required to provide documented evidence, including but not limited to : A copy of the original signed contract or agreement, Verification from the original creditor, and Any supporting documentation linking me to these accounts. 
If you are unable to provide sufficient verification within the 30 days allowed by law, you are legally obligated to delete these items from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: MS

Complaint narrative:
I had autopayments on a loan successfully setup to be paid monthly in XXXX. Up until XXXX of XXXX these payments went through without a problem. In XXXX I was notified that my account was XXXX  days past due by {$1.00}. Once I looked into it, I noticed payments had automatically stopped and skipped a whole payment for a month in XXXX ( this should mean that I'm a full payment past due at this point ). In XXXX, the autopayments automatically started again but for a {$1.00} less than what is due. For some reason there was obviously an error in XXXX with their autopay system and when they tried to fix it, they entered the information incorrectly. XXXX XXXX is saying that I was the one who entered and showed me where their system is saying that " payer '' was the person who created the payment. They use XXXX to handle their payments. I asked them to look further into this as I am not able to setup online payments as I have never been able to successfully put in my external bank information in their system. When trying to explain this to the Vice President of XXXX XXXX  at XXXX XXXX, she constantly interrupted me and talked over me, never letting me thoroughly explain my side of things. 

I did, by email, show her screenshots as to where the online system will not let me add an account or make payments online. Her reply was that since I was past due, it won't let me add a payment. If this is the case, then when I was past due in XXXX, I would have never been able to setup the payments that were in the incorrect amount of being a dollar short in XXXX and 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 2025-11-17 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: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX Creditor Name : [ XXXX XXXX ] Account Number : [ XXXXXXXX XXXX XXXX XXXX XXXX  ]

Company response to consumer: Closed with non-monetary relief