vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date, Experian is reporting a Late Payment for XX/XX/year>, Equifax and Transunion are reporting a Late Payment for XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
Upon recent review of my credit report, I identified several inaccuracies, including the presence of unauthorized accounts and information. These discrepancies have had a significant adverse effect on both my credit standing and overall financial well-being

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 2025-04-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Village Capital & Investment LLC
State: OR

Complaint narrative:
I just got back from the XXXXXXXX XXXX XXXX. my mail they have sent me a letter advising me of the Loan Modifications Loan to be XXXX XXXX 6.875 % My payment for XXXX XXXX so what will be XXXX A month XXXX told them that If I could not Make payment of XXXX XXXX  how could I make this payment I believe that the want to cause me to default on my loan so they can take my home and make a cool XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: I.C. System, Inc.
State: MO

Complaint narrative:
i paid off my XXXX  bill an XXXX, its was suppose to be paid in deletion off my credit and they will not deleted information. 

also paid fXXXX XXXX settle for less and they for XXXX and will deleted off my report XXXX XXXX XXXX  for XXXX, advise them i had that account in XXXX its no way that account should be still reporting and saying it only be opening for 3 years when i move and not have service since 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian failed to remove two inaccurate accounts from my credit report, despite being presented with sufficient evidence that proves the accounts do not belong to me. 

The accounts are : XXXX XXXX XXXX account ending in XXXX XXXX XXXX XXXX account ending in XXXX I previously disputed both accounts with Experian and included : XXXX XXXX XXXX confirming both accounts were inaccurate and had been deleted from my XXXX credit report Three forms of identification verifying that the name and identifying information associated with the disputed accounts do not match mine Experian closed the disputes without taking corrective action. This violates the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to conduct thorough and fair investigations into disputed information and to correct or delete any inaccurate data. 

Further, FCRA Section 623 ( b ) ( 1 ) ( D ) obligates data furnishers to report corrections of inaccurate information to all credit bureaus to which they supplied the data. Once XXXX corrected the records, the furnishersXXXX XXXXXXXX XXXX and XXXX XXXX XXXX legally required to notify Experian as well. Their failure to do so, and Experians inaction, reflect serious noncompliance with federal law. 

I respectfully request that the CFPB investigate Experians failure to address this matter and ensure the immediate removal of the inaccurate accounts. 

Attached you will find : XXXX investigation results Identification documents A copy of my current Experian report showing the accounts are still present Thank you for your assistance and 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 2025-04-11 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: CT

Complaint narrative:
I am filing this complaint regarding American Expresss handling of an over-limit situation involving an authorized user on my account. I had set a spending limit of {$1000.00} for this authorized user. Despite this, American Express allowed transactions that resulted in a balance of approximately {$1600.00} which is about 65 % over the authorized limit.

When I contacted American Express for an explanation, I was told that their terms state that balances may go over the limit, and they cited examples such as pre-authorizations at hotels that were within limits but the final charge at the end of your stay may be over the limit but was already authorized. However, this was not the case here. The transactions were all individually authorized, not pre-authorized, and occurred while the card was already over the set spending limit.

I explained to the representative that even if the terms include language such as transactions may go over the limit, allowing 65 % over the spending limit is excessive and unacceptable especially when this is not explicitly disclosed. The ambiguity of the word may does not justify this level of overage without clear communication or alerts to the primary account holder. There were no warnings or declines issued, and the transactions were not exceptional in nature.

This practice defeats the purpose of setting a spending limit for authorized users and creates an unreasonable risk to the primary account holder.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone : XXXX SSN : XXXX DLN : XXXX Email : XXXX l am writing to formally dispute late payments on my XXXX XXXXXXXX card which was formally a XXXX XXXX card. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. 
What I believe happened was I was not notified of the changes that the XXXX card had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didn't come as those things do occur not to put fault on myself or on XXXX XXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681 s-2 This late error was beyond my control, and I demand that it is fixed to never late. The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX XXXX. It showing late on XXXX accounts as well as you can see by the XXXX screen shots I have attached and I know l 'm losing way extra points for that as well. I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. Name of company : XXXX XXXX account Number. : XXXX Amount. : {$200.00} Opening Date. : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone : XXXX SSN : XXXX DLN : XXXX Email : XXXX l am writing to formally dispute late payments on my XXXX XXXXXXXX card which was formally a XXXX XXXX card. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. 
What I believe happened was I was not notified of the changes that the XXXX card had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didn't come as those things do occur not to put fault on myself or on XXXX XXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681 s-2 This late error was beyond my control, and I demand that it is fixed to never late. The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX XXXX. It showing late on XXXX accounts as well as you can see by the XXXX screen shots I have attached and I know l 'm losing way extra points for that as well. I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. Name of company : XXXX XXXX account Number. : XXXX Amount. : {$200.00} Opening Date. : 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 2025-04-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Credit Services Inc.
State: NC

Complaint narrative:
I entered in a fitness membership contract with XXXX XXXX in XX/XX/year>. This agreement required my signatures of agreement and a payment of {$1.00} to solidify the contract. This contract became legally biding through offer ( the offer of the use of equipment at the monthly rate written and agreed to in the contract ) ; acceptance as evidenced by signing and agreeing to the contract and paying the {$1.00} fee to begin the service, followed by consideration of both parties. The presence of acceptance, offer, and agreeance creates a legally binding contract that cant be altered without the agreement of both parties. In review of the final agreement emailed to me, it was clear the dates of all future membership payments would not begin collection until XXXX ( see attachment ). Despite this contract has never been legally altered and nor has a legal addendum with notice and agreeance for change been completed or provided, XXXX XXXX continue to try to collect their membership fees prior to XXXX and now have sent the bill to collections, effecting my credit and producing long term effects on credit scores. XXXX has not only breached the contract, they have also violated my consumer rights. 

1. Offer XXXX XXXX offered a membership with specific terms : Access to the gym and services in exchange for monthly payments, starting on a schedule they set. 
But they included the wrong dateslisting my payment dates as starting in XXXX. That was part of the offer they made in writing in my contract. 


2. Acceptance I accepted the contract as it was writtenincluding the XXXX payment dates. 
That means I agreed to start payments when the contract said, not before. 
I had no reason to believe you owed anything now, because the agreement said payments begin in the future. 



3. Consideration I gave value ( my agreement and an initial fee ), and in return, they gave access or promised future access. 
But then, despite their own written terms, they tried to charge me earlier than agreed. 
When I didnt pay ( because you were following the contract ), they sent me to collections, harming your credit. 

The Argument : Breach by XXXX XXXX XXXX breached the contract because they : Made an error in their offer ( wrong payment schedule ), Accepted my consideration ( my agreement or payment ), Then violated the agreements own terms by demanding money early and punishing me for not paying. 

Since I accepted the contract as written, I am legally entitled to rely on the dates they provided. Trying to collect earlyand sending it to collectionsis both a breach of contract and a bad faith action that may also violate credit and consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I am disputing negative information reported by XXXXXXXX XXXX on my Early Warning Services ( EWS ) consumer report. 

The information being reported is inaccurate or outdated, and does not reflect the current standing of my account. My XXXX XXXX  account is currently open, active, and has maintained a positive balance. 

I submitted a written dispute to Early Warning Services under my rights per the Fair Credit Reporting Act ( FCRA ), requesting that they verify and update the information. 

This negative entry is affecting my ability to open new accounts, despite the fact that the account is in good standing. 

I request that the CFPB assist in ensuring this information is corrected or removed from my report in accordance with the FCRA ( 15 U.S.C. 1681e ( b ), 1681i ( a ) ). 

Supporting documentation including my dispute letter, ID, and bank statements have been provided to Early Warning Services directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ).

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
XXXX XXXX XXXX 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 2025-04-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX. XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX Phone : XXXX SSN : XXXX DLN : XXXX Email : XXXX l am writing to formally dispute late payments on my XXXX XXXXXXXX card which was formally a XXXX XXXX card. I will be attaching that account which shows no lates as well as other accounts associated to the account with the late payment. 
What I believe happened was I was not notified of the changes that the XXXX card had been bought by XXXX XXXX or maybe through the changes notification were over looked or just didn't come as those things do occur not to put fault on myself or on XXXX XXXX. If I may ad 15 usc 1681G ( 2 ) FCRA 611 ( 15 U.S.C. 1681i ( 3 ) FCRA 623 ( 15 U.S.C. 1681 s-2 This late error was beyond my control, and I demand that it is fixed to never late. The report also shows different opening dates as well as amount owed. Again if you look over the reports I am sending you can see the error occurred when the company switched from XXXX to XXXX XXXX. It showing late on XXXX accounts as well as you can see by the XXXX screen shots I have attached and I know l 'm losing way extra points for that as well. I attached a receipt dated XXXX with my identification renewal as well as my voter registration card to help with identification purposes. Thanks for your time and help. Name of company : XXXX XXXX account Number. : XXXX Amount. : {$200.00} Opening Date. : 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 2025-04-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: AZ

Complaint narrative:
I havent received transcripts, my degree the school closed and have no way of contacting them or receiving the information requested. My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: SANTANDER HOLDINGS USA, INC.
State: OH

Complaint narrative:
On XXXX XXXX  my car was repossessed in XXXX, Ohio. I had not received any notification of the car being on a list, no communication each month that payment was not made. Per ucc XXXX, the car was not reported, and the plates were not delivered. I also sent a letter into them XX/XX/year>XXXX  to revoke the right to repossess. They also did not per their own contract, go through arbitration to repossess the car. They failed to communicate to me that the car was a debt that they wrote off. When I spoke to a representative of the company on a recorded line on XXXX, I told her that they failed to give any communication of the payments not being made. She told me that they did not have to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: NM

Complaint narrative:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, NM XXXXXXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXXXXXX XXXX XXXX XXXX Balance : {$0.00}

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 2025-04-11 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: NM

Complaint narrative:
This is my other requests to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00}

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