vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to formally dispute your recent communication concerning my inability to redeem a gift card on my account. On XX/XX/XXXX, I redeemed a gift card without a problem under the same financial circumstances, yet I was restricted on XX/XX/XXXX. After repeated attempts to ask for clarification. I was met with no clear or reasonable explanation. I believ e this action may constitute an unfair and state consumer protection law. 
Disputed Issue : - I redeemed a gift card XX/XX/XXXX, and there have been no change in my financial standing or account status. 
- Despite this, I was never informed of a change to my account to justify this without clear justification - After further asking, I was never given an explanation or supporting documentation outlining the basis for this action : Request for Documentation : I formally requested a detailed written explanation of why my request was restricted a copy of terms and conditions at the time of XX/XX/XXXX and any modification that have been made between then and XX/XX/XXXX, and a transcript of any chat or correspondence regarding this matter. 
Potential Violations : The Fair Debt Collection Practices Act ( FDCPA, 15 USC 1692e,1692f ) and the consumer financial protection bureau transparency regulations I sent a formal letter on the date XX/XX/XXXX outlining this info and set a XXXX day follow up deadline which I received no response too.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX, in particular, has a documented history of conducting sham investigations. In Federal Trade Commission XXXX XXXX XXXX XXXX XXXX XXXX, XXXX was alleged to have violated FCRA by failing to conduct meaningful investigations, relying solely on furnishers ' unverified responses. 

Likewise, XXXX verification appears to lack independence or diligence. According to SEC filings and investigations, TransUnion derives revenue from both data furnishers and the dispute process itselfraising a serious conflict of interest and casting doubt on the integrity of their reinvestigation practices. 

XXXX XXXX XXXX XXXX XXXX needs to be deleted.

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 2025-04-06 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Please be advised that you are attempting to collect on an expired debt. I am invoking my right to cease you, based on the factual law that this debt in question is legally expired under the Statute of Limitations. Accordingly, I am requesting that you do not attempt to collect this expired debt, and should you seek legal recourse I will invoke my right to the expired statute as a valid defense.

Additionally, any attempts to harm my credit rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA.

Any abuse of my credit rating on your part will be met with all recourse available to me.

I am aware of how long items may remain on my credit reports and any attempt to extend the reporting time will be investigated by me and reported to the American Collectors Association and my State Attorney General. I am completely aware of how long the debt is legally collectable and how long it is legally reportable. I realize a debt is allowed to be reported to my credit for seven years, and my research has shown me that often a collection agency will reset the date of original charge off to the date they purchased it, thus trying to extend the reporting time in an attempt to force a consumer into paying it. I am informing you of this knowledge so that you may do the right thing. I have no intention of renewing the expired statute of limitations, so please stop wasting your time contacting me. 
I expect this will be the last time I hear from you. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-07 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: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Aid advantage had the wrong address, email and phone number. Never contacted me about loans being out of deferment. Loans were sold without my knowledge or consent. Personal information was accessed my unauthorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I disputed my alleged late payments for my XXXXXXXX XXXX Credit card that is being reported as XXXX days late for XX/XX/2024, XX/XX/2024, XX/XX/2024 with Equifax and they said that the inaccurate information is verified. When I tried to respond to the dispute for some reason my access to the Equifax website is denied. If an investigation was conducted I need the proof that needs to be obtained to report a late payment thats listed 15 U.S code 1666b. I have attached the historical data that Equifax mailed out with my last dispute with them and not only nothing on it states I was not 60 days late but from the document I received all payments is not even reported on it. I will need the required proof that is detailed in 15 U.S code 1666b

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I want to know why close my apple credit card account. SPECIFIC REASON. they say only this.There was a failure to comply with the terms of the Customer Agreement.I spoke with 4 supervisors on the XXXX and on the XXXX the head of the supervisors called me and he didn't know what to tell me other than that There was a failure to comply with the terms of the Customer Agreement. It's frustrating not knowing why they are punishing me. I have no option to know how to do things better? 

SPECIFIC REASON NO ANSWER IN MY FIRST COMPLAIN # XXXX I would like to know if this really works, so I don't waste any more time. Perhaps this is what they're looking for to avoid responding specifically because I still haven't received any from Golden Sach. Please read and tell me what the red flags were in the Apple Card Customer Agreement, which was my initial complaint that they didn't answer, and they told me the same thing again as in the first email. Please be serious. This isn't a joke, so they don't know why they closed my account, since it has consequences for me personally. Let me know if you're going to respond or not, so I don't waste any more time on this and start another one. Let 's see if they respond in a different way. Of course, is it more expensive for me to do something as simple as specifically explaining why they closed my account? ( Please include the consumer agreement in the next response, if there is one, so it's clear why the specific response is there. )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Never authorized a hard pull on my Experian credit for 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 2025-04-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
Subject : Formal Complaint Regarding Inaccurate Reporting by Citizen 's Pay and XXXX I am writing to formally request your assistance in resolving an issue with Citizen 's Pay an XXXX concerning inaccurate reporting on my credit file. Despite providing evidence and attempting to dispute the matter online, Citizen Pay/XXXX has not made the necessary corrections, and its dispute platform & XXXX has blocked me from submitting my case digitally. 

The account in question is the Citizen Pay XXXX  account, listed under my name. The following inaccuracies persist : Payment Status : XXXX has reported the payment status as " 30-59 days late, '' despite my documented payment history showing timely payments, including the final payment made on XX/XX/year>. 

Times Reported Late : The credit report incorrectly indicates two instances of being 30 days late. This is inconsistent with the attached proof of payments I provided for XXXX, XXXX, XXXX, and XX/XX/year>. 

Remarks : The report includes inaccurate remarks indicating repayment phase status, which fails to reflect the account closure and timely payments. 

These errors have caused undue harm to my credit profile and may be in violation of the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy of all consumer information. I have taken the following steps prior to reaching out to the CFPB : Contacted XXXX through their dispute channels without resolution. 

Contacted Citizen Pay for verification of payment records, which have been attached to this complaint. 

Given these circumstances, I kindly request the CFPB to take action to : Investigate the reporting practices of both Citizen Pay and XXXX in relation to this matter. 

Compel XXXX update my credit file to accurately reflect timely payments for the Citizen Pay XXXX  account.Compel Citizen Pay to correct my payments with all 3 Credit Reporting Agencies ASAP. 

Ensure compliance with the FCRA to prevent further inaccuracies and harm. 

Attached to this letter are copies of the following : My payment history for the Citizen Pay XXXX  account. 

Relevant pages of my XXXX credit report. 

I appreciate your attention to this matter and your efforts in advocating for consumer rights. Please feel free to contact me directly at XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: KY

Complaint narrative:
I would like a paid off/ closed account with XXXX from 2019 removed from my Credit Report. 
Thank you so much.

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 2025-04-06 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are as follows : Account Name : DEPT OF ED/XXXX XXXX XXXX Account Name : DEPT OF ED/XXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX # XXXX Upon reviewing my Equifax credit report on XX/XX/year>, I noticed several discrepancies and incomplete information. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it must employ reasonable procedures to ensure maximum possible accuracy of the information contained in the report, as outlined in 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681i, if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify the information, as appropriate. They must also notify the furnisher of the information that it has been deleted or modified from the consumers file.

Additionally, under 15 USC 1681s-2, a person or entity shall not furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate. 

As such, I am requesting a prompt investigation and correction of the inaccurate and incomplete information listed on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
Subject : Formal Complaint Regarding Inaccurate and Unverified Items on My Credit Report To Whom It May Concern, I am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding inaccurate, unverified, and potentially unlawful items being reported on my credit report by [ Name of the company youre complaining about, e.g., a debt collector, lender, or credit bureau ]. These entries are significantly harming my creditworthiness, and despite my attempts to resolve the issue directly with the company, they have failed to provide the necessary verification or to remove the disputed items. 



I have requested proper validation of the debt ( s ) in question under the Fair Debt Collection Practices Act ( FDCPA ) and/or the Fair Credit Reporting Act ( FCRA ), and the company has failed to respond appropriately or has provided insufficient documentation. As such, I believe the continued reporting of these items is a violation of my consumer rights. 



This situation is causing me undue harm, including hindering my ability to secure housing, employment, and credit. I am requesting the CFPBs assistance in investigating this matter and ensuring the following : XXXX. The company provides valid proof of the accounts in question, as required under the law. 

XXXX. If they are unable to provide sufficient documentation, that these items be removed from my credit report. 

XXXX. That appropriate actions are taken to hold the company accountable for any violations of consumer rights. 



I appreciate your attention to this matter and look forward to your support in resolving this issue promptly and fairly.

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 2025-04-06 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:
In accordance with the Fair Credit Reporting Act, the accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts in question are as follows : * Account Name : XXXXXXXX XXXX XXXX XXXX XXXX Upon reviewing my Experian credit report on XX/XX/year>, I noticed several discrepancies and incomplete information. According to the Fair Credit Reporting Act, when a consumer reporting agency prepares a consumer report, it must employ reasonable procedures to ensure maximum possible accuracy of the information contained in the report, as outlined in 15 USC 1681 ( e ) ( b ).

Furthermore, as per 15 USC 1681i, if an item of information is found to be inaccurate, incomplete, or unverifiable after reinvestigation, the consumer reporting agency is required to promptly delete or modify the information, as appropriate. They must also notify the furnisher of the information that it has been deleted or modified from the consumers file.

Additionally, under 15 USC 1681s-2, a person or entity shall not furnish any information relating to a consumer to any consumer reporting agency if they know, or have reasonable cause to believe, that the information is inaccurate.

As such, I am requesting a prompt investigation and correction of the inaccurate and incomplete information listed 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 2025-04-06 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: CA

Complaint narrative:
XXXX XXXX XXXX accounts XXXX. {$1100.00} open XXXX/XXXX/2014 XXXX. {$3900.00} open XX/XX/scrub>/2014 These accounts were investigated and they stated that they would be removed. I provided police reports that these XXXX accounts were due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX accounts XXXX. {$1100.00} open XXXX/XXXX/2014 XXXX. {$3900.00} open XX/XX/scrub>/2014 These accounts were investigated and they stated that they would be removed. I provided police reports that these XXXX accounts were due to identity theft.

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 2025-04-06 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: IL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards that I am not aware of. This happened when CFPB started having issues weeks ago and consumers privacy was put at risk. I have no knowledge of obtaining any of these here. Please remove these items and send me an updated copy of my report after the investigation. Help me please. 
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/year>

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