vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-02 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: AZ

Complaint narrative:
This is now my third formal dispute. You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA 1681e ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA 1681s-2 ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

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 2025-09-02 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: TX

Complaint narrative:
A XXXX XXXX XXXX accounts were opened without my authorization on XX/XX/year>. 

Account # XXXX Case # XXXX for {$510.00} Account # XXXX Case # XXXX for {$500.00} The address on these accounts do not belong to me. The address they have is At 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 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Williams & Fudge, Inc
State: TX

Complaint narrative:
XXXX XXXX was rude and aggressive. He spoke to me very threateningly. He spoke aggressively and was not willing to work with me. I would recommend not working with XXXX. He is very unprofessional and rude. He insisted I take out collateral loans on vehicles my spouse owned before we got together. He started asking questions about my spouses job. He made assumptions based on the company my husband works at that we could use one of his bonuses ( bonuses he doesnt get ) to pay off the loan. He wanted bi monthly payments and insisted there was no other way. When I mentioned I would speak with the original creditor since he stated they still owned the debt he told me it was a waste of time and that they wouldnt speak with me. He told me everything was at his discretion and that I had to do it his way and he didnt want to offer me a better payment plan. He said this so rudely and so aggressively even though I expressed my intent to pay multiple times I just couldnt do it the way he wanted me to. I needed a lesser payment and he told me to take out more loans or use my husbands car as collateral. It needs to be stated that my husband and I were not even legally married at the time of this conversation and he pulled my now husbands information. Asking about his job and car. We werent even legally married at the time. He didnt use threatening words explicitly but he heavily implied things. He was extremely rude and abrasive.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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 2025-09-02 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 explanation
Consumer complaint received 2025-09-02 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:
PLEASE BLOCKED AND REMOVED.

Please expedite the removal of the unauthorized accounts from my credit report at your earliest convenience. I did not initiate or authorize these accounts, and I am unaware of their origins. In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: DISCOVER BANK
State: GA

Complaint narrative:
I had a credit account and debit checking account with Discover I overpay my balance with my credit card so they sent me out a refund check for {$1000.00}. I deposited that refund check into my debit account. The check got rejected and now my account is closed. How is my account closed off a check that the credit side sent me that means the check that they sent me was fraudulent and now my account is closed and they cant and wont help me and tell me why it has been closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Clearview Resolution Services
State: TX

Complaint narrative:
Issue type : Debt collection Sub-issue : Threatened to sue on a debt that may be too old Consumer Information : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone : XXXX Email : XXXX Company : Clear View Resolutions Original Creditor : XXXX XXXX Complaint Narrative : Clear View Resolutions is attempting to collect on an account that originated with XXXX XXXX and was closed in XX/XX/year>. Recently, they contacted me and threatened to sue me in a civil matter over this account.

This is problematic because : The account is more than 5 years old and appears to be outside the statute of limitations for collection in Texas.

I requested validation of the debt in writing as permitted under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), but Clear View Resolutions denied my request and failed to provide proper validation. Attempting to collect without validation is a violation of federal law.

Under the FDCPA, 15 U.S.C. 1692e, it is also unlawful for a debt collector to make false, deceptive, or misleading threats, including threatening to sue on a time-barred debt.

If this account is being reported to the credit bureaus, it would also be inaccurate because the account was closed in 2019, and any negative reporting beyond the 7-year limit would violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ).

Fair Resolution Requested : I want Clear View Resolutions to : Cease all collection activity on this account since it is time-barred under Texas law .

Stop making threats of a lawsuit, which violate the FDCPA.

Provide proper debt validation as required under 15 U.S.C. 1692g ( b ). If they can not validate, they must stop all collection efforts.

Delete or remove any negative reporting related to this account from my credit reports with all credit bureaus ( XXXX XXXX, and XXXX  ).

Company response to consumer: Untimely response
Consumer complaint received 2025-09-02 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: IL

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2025-09-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
My federal student loan servicer ( Aidvantage ) began assessing interest on my loans even though my online dashboard and loan-detail pages continued to show an interest rate of 0.000 %. I received no advance notice that interest would resume, on what date it would resume, or what rate would apply.

The only communication I received prior to XX/XX/year> was a XX/XX/year> letter extending my IDR recertification deadline ; it did not mention interest. On XX/XX/year>, I received a letter that suddenly listed unpaid interest and a future capitalization date, while the same letters table still displayed 0.000 % as the interest rate. My dashboard also continues to show 0.000 %. When I called Aidvantage, a representative admitted no prior notice was sent.

This means interest was added without accurate disclosure, and account records remain contradictory.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Transunion 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Transunion to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Transunion responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies.

I am aware that the CFPB has recently filed a lawsuit against Transunion for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only one week remaining to finalize my home purchase. Transunions refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. I respectfully request that the CFPB take immediate action to ensure Transunion fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Transunion be held
accountable for the injury and distress they have caused.

I am attaching supporting documents, including copies of my dispute submission and
Transunions stall letter, should you require further evidence of their noncompliance.

Thank you for your immediate attention to this urgent 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 2025-09-02 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: NC

Complaint narrative:
I am submitting this complaint against XXXX XXXX regarding the reporting of account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This account is being reported inaccurately and without proper verification. I made direct requests for validation, yet XXXX  has not provided the required documentation under the FCRA 623.

Requested Relief : Conduct a lawful investigation.

Provide complete verification.

Remove this account from my file if unverifiable.

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR

Complaint narrative:
I had fraud charges on XX/XX/XXXX XX/XX/XXXX totalling {$9700.00}. There were 60 charges made over the 2 days all to merchants based out of XXXX, XXXX. There are 2 charges per merchant all for the same amounts ( most likely purchased gift cards ) and all under {$200.00}.

I have had this card for over 10 years and use it primarily to purchase XXXX  XXXX f

light tickets ( around 2 or 3 times a year ). This activity does not follow the pattern of my purchase history. I have never filed fraud claims on this account. I have never even paid late charges. I have called Bank of America 5 times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) I also went into the Bank of America XXXX XXXX branch on XX/XX/XXXX to try to get help.

This claim has been declined twice by Bank of America despite the hours I have spent trying to get this clear up.

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 2025-09-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
was charged a {$52.00} late/interest fee even though I paid my balance on XX/XX/XXXX at XXXX XXXX Pacific Time . The cards own system shows this timestamp, yet directly below it, it claims I was charged because [ I ] did not pay by XX/XX/XXXX. This is contradictory and misleading. I have attached a screenshot of this.

The company says payments are due by XXXXXXXX XXXX Eastern Time, but that is not clear or reasonable for consumers outside that time zone. No reasonable cardholder expects to calculate due dates in New York time. I paid on the correct date in good faith, yet was penalized anyway.

When I disputed this, customer service was dismissive and rude. I was pressured into accepting only a partial {$25.00} credit, which I made clear I did not agree with. This is not about money I spend thousands monthly across multiple cards it is about fairness and good faith.

This practice is an unfair gotcha fee. Charging over {$50.00} for a payment made on the due date, simply because of a hidden time zone cutoff, is deceptive and harmful to consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-02 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/2019, Balance : {$620.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2019, Balance : {$76.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me.

All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I am writing to formally lodge a complaint regarding inaccurate personal information on my credit report. Upon reviewing my credit report, I discovered personal information that does not belong to me, including [ specific details such as incorrect name, address, Social Security number, etc. ]. As this erroneous information may adversely impact my creditworthiness and financial standing, I urgently request that you investigate this matter and take immediate action to rectify the inaccuracies. Your prompt attention to this issue is greatly appreciated, and I anticipate a swift resolution to ensure the accuracy and integrity of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-02 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX XXXX of Birth is XX/XX/year> and the last four of my social security is XXXX, I am reporting to you of this fraudulent creditor that is not of my knowledge, and I already sent this company a letter explaining to them this fraudulent false wrongful creditor named Westlake Financial SVC appearing on my credit report and I also sent them a FTC Identity theft Affidavit filled and Notarized and a police report copy where i was reporting of this fraudulent creditors on my credit appearing wrongly, this creditor is not mine and it needs to be removed from my credit immediately.

Company response to consumer: Closed with explanation