vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: PR

Complaint narrative:
According to the Fair Credit Reporting Act, account XXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXXXXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act. 

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX has violated my rights, This account is listed with late payments. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights, This account is listed as a charged off account. Please provide me with a copy of the contract signed or voice conversation where I authorized billing me on this account. If not you must remove this from my credit according to the Fair Credit Reporting Act.

According to the Fair Credit Reporting Act, account XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights, This account does not belong to me. Please provide me with a copy of the signed contract or voice conversation where I authorized billing on this account. Otherwise, you must remove it from my credit according to the Fair Credit Reporting Act.

Title 15 of the United States Code, Section 602 A, states that I have the right to privacy Title 15 of the United States Code, Section 604 A, Section 2 : Also states that the credit reporting agency may not provide an account without my written instructions

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 2025-08-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: FIRST NATIONAL BANK OF OMAHA
State: NV

Complaint narrative:
I had this account for over fifteen years ( FNBO ). It had no balance, and they offered me a check with a lifetime interest rate of 6.99 %. I used it and transferred it instantly to another 0 % APR offer account that I had because I have an excellent credit score. On XX/XX/XXXX, I called the number on the back of my FNBO card to ask for the address. Somehow, the agent after verifying my identity sent me through some automated voice messages that were speaking really fast. He thanked me for subscribing to something that I didnt catch and said that I would be charged this amount unless I called the number so fast that I didnt have time to write it down. When the agent returned, I was very confused and asked him what I had signed up for. He said it was just an advertisement and promised that I wouldnt be charged for anything. 
After the phone call, I double-checked the number and it matched the one on the back of my card. I promptly locked the card and paid off the balance before the APR started accruing. One morning, on XX/XX/XXXX, I received an email informing me that someone was attempting to charge the card, but due to the lock, the transaction failed. Upon researching the companys name, I discovered that they had indeed signed me up for a XXXX  subscription without sending any mail or any welcome packet in the mailbox. Consequently, I am aware of the subscription details and have the necessary information to cancel it. I have witnessed numerous senior citizens in distress, who were charged XXXX  of dollars by the same company while hospitalized or residing in nursing homes. Of course, I am not placing blame on FNBO for these instances. 

On the same day, XX/XX/XXXX, I called the bank and requested the closure of my account. After the approval, I had no remaining balance, and the account was promptly closed. However, on XX/XX/XXXX, out of nowhere, FNBO sent me an email informing me that I had a new due payment on a closed account. When I clicked on the Show Me the Statement link, it failed to load any information. In fact, when I attempted to delve deeper into the statement options, I could only see the years except XXXX. After a while, the website either kicked me out or informed me that I had limited access. 

This bank has already caused me significant stress, and after dealing with this issue, I still need to identify the subscriber and the subscription they signed me up for in order to cancel it. FNBO has undoubtedly profited from me through various fees over the years including {$550.00} for the last transaction, but their continued attempts to generate additional revenue after closing my account are not only embarrassing but also unethical.

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 2025-08-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bright Capital Inc
State: TN

Complaint narrative:
XXXX XXXX XXXX  XXXX bright capital are both closed accounts. They have been closed for a few years. They were paid off. They are still reporting late payments on my reports that are yearsss old. I have reported this information to the credit bureaus & companys and no action has been taken. I recently filed for bankruptcy so all accounts should have been removed off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( 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 7 years.

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

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 2025-08-13 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: NJ

Complaint narrative:
I have contacted both Trans Union and Equifax. I have submitted multiple disputes for them to correct inaccurate information. Also contacted them to remove certain information that does not belong on credit report. I have furnished copies of my credit reports to show you that the information in the personal information also and other negative accounts that I asked to have deleted and incurred disputes company refuses to prove that they have furnished proper identification plus also they have not changed any information that I have provided to them by proof of identification that I have sent them numerous times. I am finally at the point where I am now at your mercy to file a formal complaint for the failure of these credit reporting agencies to do their jobs. I will submit anything that you currently need to make my case and I hope that this can be resolved at a reasonable time. Also want them to delete old information that doesn't pertain to me. Also, trans Union fails to produce a free credit report to me using XXXX XXXX XXXXXXXX. I keep getting the runaround and getting a document that I have to download and fill out and mail in which they are breaking the rules and the law of the fair credit reporting act, and this needs to be brought to your attention as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 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: Radius Global Solutions LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX is inaccurately reporting a closed credit card account ( opened XX/XX/XXXX, closed XX/XX/XXXX, settled for less than full balance, {$0.00} owed ) as Collections/Charge-off with derogatory payment history after settlement. The remarks ( Paid profit and loss / Settled less than full balance ) conflict with the status, making the report misleading. I disputed this directly with XXXX, but they have not corrected it, violating FCRA 623 ( a ) ( 1 ) ( A ). I request the removal of the Collections/Charge-off status and correction of post-settle

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 2025-08-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: OH

Complaint narrative:
This is a follow-up related to my previous case ( XXXX ). 
My prior complaint was closed, but Sallie Maes XX/XX/XXXX response did not resolve my issues. 

I am submitting this rebuttal in response to Sallie Maes XX/XX/XXXX letter regarding my complaint. Their response omits critical facts and contains contradictions to evidence already provided in my original filing. 
________________________________________ XXXX. XX/XX/XXXX Chat Agreement In the XX/XX/XXXX chat ( already submitted with my original complaint ), Sallie Maes representative confirmed : o My payments would be adjusted/deferred due to unemployment hardship. 
My understanding of the deferment is that I would not be reported late during this hardship arrangement. 
Despite this, Sallie Mae has marked XXXX and XX/XX/XXXX as late on my account, directly contradicting the agreement. 
________________________________________ 2. Misapplied Loan Payments Intended as Returns In XXXX, XXXX, and XX/XX/XXXX, I attempted to return unused loan funds after receiving them. 
Before doing so, I spoke over the phone with a Sallie Mae representative that I had a 90-day return period. 
Sallie Mae applied these funds as regular payments instead of treating them as loan returns, which resulted in : o A higher principal balance than intended. 
o Accrued interest that I may not have owed if the funds had been treated as returns. 
I request that Sallie Mae reclassify these payments as returns and correct interest calculations accordingly. 
________________________________________ 3. Credit Reporting & Payment Deadline XXXX XX/XX/XXXX payment deadline is approaching. 
Without resolution, this could cause : o Additional late marks. 
o Late fees.

o Long-term credit damage despite hardship conversation in June.

I request that CFPB direct Sallie Mae to suspend delinquency reporting, late fees, and collections until this matter is resolved. 
________________________________________ 4. Contradictions in Sallie Maes XX/XX/XXXX Letter Sallie Mae claims XXXX XXXX payments were applied appropriately yet my intent and understanding ( supported by the 90-day period ) was to return unused funds, which would reduce principal and interest. 
They acknowledge confusion in XX/XX/XXXX communications but have not corrected the resulting harm. 
Their response omits why their records conflict with the XX/XX/XXXX chat transcript already submitted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 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:
In XX/XX/2025, I discovered a fraudulent credit card account opened in my name with American Express, using my stolen Social Security Number without my knowledge or consent. The theft was perpetrated by my spouse, leading to unauthorized charges and potential credit damage. 
On XX/XX/2025, and XX/XX/2025, I filed police reports documenting the identity theft and SSN misuse ( XXXX XXXX Police Department Incident # XXXX and related dossier ). 
Starting in XX/XX/2025, I contacted American Express 's fraud department multiple times ( over a dozen calls ) to report the fraud and request a copy of the initial application to verify the perpetrator 's details. They instructed me to provide a police report and affidavit, which I mailed to them promptly in XX/XX/2025. 
Despite follow-up calls throughout XXXX, XXXX, and XX/XX/2025, American Express has not provided the application. On XX/XX/2025 ( last Friday ), I called again, and a representative promised a callback by Tuesday, XX/XX/2025, or Wednesday, XX/XX/2025, but no call was received. 
American Express has not resolved the dispute, or provided the requested documentation, despite their 30-day investigation timeline under federal law. This delay hinders my ability to address the fraud in ongoing legal proceedings related to my divorce, where the SSN theft is evidence of financial misrepresentation ( supported by police reports and court precedents on fraud in marital agreements, such as XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-08-13 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation