vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
OK. This is my 3rd complaint against Experian. I now have 6 case # 's that they have told me for 6 weeks now that they are sending over a form to a SPECIALIZED TEAM and my credit report will be unlocked in 3-5 business days. I am unable to access my credit report and a car dealership can not access Experian. I have called MULTIPLE phone numbers for Experian and I keep getting told something different every single time. They keep telling your company that they are working on it. However, I do have 6 different case numbers now. They are saying my file size is excessive but this specialized team will fix it in 3-5 business days. THAT WAS 6 WEEKS AGO! I was just told by an agent to call the same number XXXX and say " SALES '' to the automated system and that will get me to this SPECIALIZED TEAM! IT DOES NOT WORK! I have sent over my drivers license and ss card to them. This is something that is only on EXPERIAN. No other credit bureaus have this issue. I can access them without any problem. How can I get this resolved? I SERIOUSLY need some direction from your company. Can I sue Experian? This is something that is beyond my control and it is delaying a lot of things in my life right now. PLEASE PLEASE PLEASE HELP! Please don't just email me back in a few days and say they said they are currently working on it. THEY OBVIOUSLY ARE NOT or it would have been resolved in the past 6 weeks. I don't have any phone calls or emails or anything from them. Please direct me on what I can do or what you can do. Thank you!

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
After 32 years my account XXXX was closed by a vague email over a bank holiday weekend. As I was traveling and American Express was my primary card, this caused me quite the number of problems. American Express was fined $ XXXX for fraud by the Department of Justice on XX/XX/XXXX and then wrongly retaliated against me, their customer, when their employees are solely at fault. XXXX XXXX and XXXX XXXX of American Express XXXX XXXX XXXX began contacting me in XXXX of XXXX  and badgering me to sign up for XXXX XXXX rewards to earn membership reward points for payroll and XXXX payments using an American Express wire transfer service and then claim tax deductions for the fee American Express charged which would more than offset the cost. I eventually agreed I would try the service; however, I never used the service. The heavy sales pitch of the tax deduction benefits seemed very sketchy and very unlike American Express. This is the service detailed in the DOJ fine against American Express. I did not process a single payment or earn a single point using XXXX XXXX. I did not seek out this offer, American Express salespeople contacted me, I should not be punished for the unscrupulous actions of their salespeople. 
I have not violated the cardmember agreement, I have used my account to make purchases, and I have always paid on time for those purchases for 32 years. I have provided bank statements and tax records to American Express as part of financial reviews in XXXX  and XXXX, something I would never consider for any other credit card. The last review concluded your accounts are in good order. 
For the past 120 days I have tried to resolve this situation through customer service and have only been referred to the account closure email which provides no information. As a customer of 32 years, American Expresss unjust actions are very disappointing.

The card member agreement requires mandatory arbitration. A claim was received by American Express on XX/XX/XXXX via certified mail XXXX and acknowledged by email from American Express executive office on XX/XX/XXXX. XXXX arbitration case # XXXX is open ; however American Express is refusing to respond. 
For account XXXX  I am owed XXXX reward points which were earned for valid purchases, which were paid on time and for which American Express has profited from the interchange fees for. I am owed refunds of {$370.00} for services which have not been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

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 2025-07-23 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: VA

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past five years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history.

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SG and Associates
State: NJ

Complaint narrative:
I am submitting this complaint regarding an inaccurate collection account listed on my credit report. The account in question is being reported by " Collection '' acting on behalf of or in association with a collection. I have tried many methods of trying to find out who the collection company is and can not locate their contact information. I believe this to be a violation of the Fair Credit Reporting Act ( FCRA ), which requires accurate and complete reporting. In addition, I have not received proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), nor was I provided with notice of the debt in accordance with federal law. I request that the collection account be deleted from my credit report in accordance with the FCRA. Thank you for your time and assistance in investigating this issue.

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 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
I previously filed a complaint because Aidvantage reported my federal student loan as delinquent even though it was never 90 days past due. Federal student loans can not legally be reported late to credit bureaus until they are more than 90 days delinquent, so this account should never have been reported as late. 

In XX/XX/XXXX, my payment due on XX/XX/XXXX was made on XX/XX/XXXX, which was four days late. After that, I made payments on time, including one on XX/XX/XXXX for XXXX. Despite this, XXXX showed a delinquency, which is why I disputed it with XXXX  and requested a Goodwill adjustment from Aidvantage. Both were denied. 

When I first filed my complaint, I mistakenly stated that the {$120.00} payment I made in XXXX included late fees. After reviewing my account more closely, I now understand that the extra amount was applied toward principal and interest, not late fees. I did not fully understand this at the time, so I want to clarify that error to ensure accuracy and avoid any confusion about my intentions. 

The company Maximus response to my first CFPB complaint did not address the compliance issue. They focused on posting dates and stated there was no negative reporting, but that is incorrect because my XXXX  report did show a late mark at the time I disputed. Even though that late mark has since been removed, it should never have appeared in the first place. The previous CFPB investigation was closed without reviewing this legal requirement. 

This is about compliance with federal reporting rules and accuracy under the Fair Credit Reporting Act. I request that CFPB fully review Aidvantages reporting practices and require confirmation that no future late marks under 90 days delinquent will ever be reported. 

I have included eight attachments for review, two of which are screenshots from my XXXX  credit report clearly showing that a late payment was reported at the time of my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: VA

Complaint narrative:
I.C. SYSTEM, INC is falsely reporting on my credit. I have never had any accounts with them. Per my research I.C. SYSTEM, INC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you 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 explanation
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 XXXXXX/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 explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
I am writing to express my concern regarding the inaccurate negative items on my credit report. I have submitted multiple complaints to the credit bureaus requesting verification of these items, as per the Fair Credit Reporting Act ( FCRA ) Section 609. However, despite my repeated requests, I have not received the necessary proof to validate these entries. According to FCRA Section 609, if verification is not provided, the credit bureaus are obligated to remove these disputed items from my credit report. I kindly request that the credit bureaus promptly investigate and rectify this matter in accordance with the FCRA guidelines to ensure the accuracy of my credit report. Thank you for your attentiontothisissue. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

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 2025-07-23 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: AR

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-07-23 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: IN

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Westlake Services, LLC
State: FL

Complaint narrative:
Westlake Financial repossessed my vehicle despite being in ongoing communication with me and receiving a good-faith payment from me shortly before the repossession. 

My first payment was scheduled via XXXX for XX/XX/year>, even though my due date was told was the XXXX of each month but it was returned due to insufficient funds. I immediately contacted Westlake and explained that my husband had been unexpectedly XXXX, and I was going through a temporary financial hardship. I was transparent, requested assistance, and asked for a payment deferral or other flexible options. Representatives told me I would be helped, but instead, I was constantly harassed, yelled at, and insulted during calls. One representative called me irresponsible, even though I was trying to explain the emergency and get help. 

I arranged to make a payment on XXXX XXXX but I was only able to submit it on XX/XX/XXXX XXXX days later of the XXXX during the same month. That payment was accept

ed by Westlake, and no one told me that a short delay would still result in repossession. Shortly after they received my money, my car was repossessed. I never received a clear warning or final opportunity to resolve the account. Additionally, I was still being contacted about another vehicle that had already been paid off through GAP and insurance after a total loss. Despite asking for clarity and help, I continued to be harassed and rece
ived no meaningful support. 

I am requesting : Immediate review of my case Reinstatement and return of my vehicle Accountability for how the situation was handled An explanation of why my money was taken, but my car was still taken This situation has caused extreme stress, and I believe Westlake acted in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: SC

Complaint narrative:
XXXX XXXX XXXX XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXXXXXX 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 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-07-23 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Global Lending Services LLC
State: TX

Complaint narrative:
My car was totaled out and paid off by GAP, paid XXXX XXXXXXXX XXXX off, and I was still being billed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: OH

Complaint narrative:
Hi I had identty theft and I did not comit the crime. Dismis charges. I did report the identity theft to the Federal Trade Commission and provid Federal Trade Commission 's Identity Theft Affidavit

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 2025-07-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Village Capital & Investment LLC
State: AZ

Complaint narrative:
This is regarding my account with Village Capital and Investments. My escrow analysis was done on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXXXX/XX/year> rolled around and I still had not received my surplus. I called on Monday, XX/XX/XXXX and my check had still not been mailed and was told they will mail it immediately. I called again on Wednesday, XX/XX/XXXX to make sure they had followed through and they still had not mailed the check. I asked the woman why they were holding it past the mandatory 30 calendar days and she lied to me and told me they had 30 business days and that they were still within that timeframe. Under RESPA ( Regulation X ), if there is an escrow surplus of {$50.00} or more, the servicer must refund it within 30 calendar days of completing the escrow analysis, not business days. My surplus is {$7500.00} and some change and I am very displeased, as this is a lot of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: FL

Complaint narrative:
I am writing regarding issues with the verification of my credit file. I was previously incarcerated, and since my release, I have encountered difficulties verifying my phone number and address when applying for services to rebuild my life. 

I would like to confirm that I have lived at my current address for the past XXXX years and have used the same phone number for that same period. Please ensure that this information is properly reflected and notated in your records. If possible, I kindly request that this information be backdated to accurately reflect my history. 

Thank you for your attention to this matter.

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 2025-07-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief