vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-03 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 submitting this complaint because Experian has repeatedly failed to properly reinvestigate and correct an inaccurate late payment being reported on my credit file by XXXX XXXX  Account No. XXXX. I first disputed this error on XX/XX/year>, and sent a follow-up notice on XX/XX/year>. 
Experian has not provided any documentation, verification, or supporting evidence proving that the late payment they continue to report is accurate. They also failed to provide details of their reinvestigation or identify the furnisher who allegedly verified the information. This violates the Fair Credit Reporting Act, including Experians obligations under 15 U.S.C. 1681XXXX to conduct a reasonable reinvestigation and remove unverifiable information. Since Experian has been unable or unwilling to obtain verification from XXXX XXXX  federal law requires the deletion of the disputed information under 1681i ( a ) ( 5 ) ( A ). Experians continued reporting of this unverified late payment has caused ongoing harm to me and demonstrates negligent or willful noncompliance.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accurascy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-12-03 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: WA

Complaint narrative:
b'I am submitting  to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report that remain\nunresolved despite my previous disputes. I am extremely frustrated and concerned that my credit file\ncontinues to include information that is inaccurate, incomplete, or unverifiable. These errors have the\npotential to harm my financial standing and misrepresent my creditworthiness. I am requesting that\nEquifax, TransUnion and Experian conduct a full and thorough reinvestigation of the following items and correct, update, or\nremove them as required under federal law, including FCRA 611 (15 U.S.C. 1681i procedure in\nthe event of disputed information), FCRA 623(a)(2) duty to correct and update, and FCRA\n609 right to full disclosure of informationXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: WA

Complaint narrative:
b'I am submitting  to formally dispute multiple inaccuracies on my Equifax, TransUnion and Experian credit report that remain\nunresolved despite my previous disputes. I am extremely frustrated and concerned that my credit file\ncontinues to include information that is inaccurate, incomplete, or unverifiable. These errors have the\npotential to harm my financial standing and misrepresent my creditworthiness. I am requesting that\nEquifax, TransUnion and Experian conduct a full and thorough reinvestigation of the following items and correct, update, or\nremove them as required under federal law, including FCRA 611 (15 U.S.C. 1681i procedure in\nthe event of disputed information), FCRA 623(a)(2) duty to correct and update, and FCRA\n609 right to full disclosure of informationXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 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:
I am disputing inaccurate and unauthorized reporting on my credit reports. XXXX XXXXXXXX XXXX shows a balance of {$940.00} on Equifax and TransUnion as a charge-off. This reporting is inaccurate and unverifiable, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B/1681c-2, and 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, an unauthorized inquiry from XXXX XXXX appears on Experian, which I never authorized, violating FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am disputing inaccurate and unauthorized reporting on my credit reports. XXXX XXXXXXXX XXXX shows a balance of {$940.00} on Equifax and TransUnion as a charge-off. This reporting is inaccurate and unverifiable, violating FCRA 611 ( a ) 15 U.S.C. 1681i ( a ), 623 ( a ) ( 1 ) ( A ) 15 U.S.C. 605B/1681c-2, and 607 ( b ) 15 U.S.C. 1681e ( b ). Additionally, an unauthorized inquiry from XXXX XXXX appears on Experian, which I never authorized, violating FCRA 619 15 U.S.C. 1681q, 604 ( a ) 15 U.S.C. 1681b ( a ), and 604 ( f ) 15 U.S.C. 1681b ( f ).

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am filing this complaint because American Express has denied my fraud claim twice for a total of {$12000.00} in unauthorized charges. 

These charges were made by a supplementary cardholder who used my card information without my permission. This individual created and used a XXXX account solely to make unauthorized transactions on my card. I did not authorize, know about, or benefit from these charges. 

I submitted : A full police report A written statement Supporting documents and account statements Despite this, American Express closed my case and refused to refund the fraudulent charges, even though this is clearly intentional misuse and unauthorized use of my account. 

I am requesting CFPB assistance to require American Express to : XXXX. Reopen my case XXXX. Refund the full {$12000.00} XXXX. Provide a proper explanation for denying my claim despite the police report and evidence This is causing severe financial harm, and American Express has not followed proper fraud investigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: MI

Complaint narrative:
On XX/XX/year>, I received a collection call from a representative from XXXX XXXX XXXX at XXXX, attempting to collect a XXXX bill related to XXXX XXXX XXXX XXXX. My written statement from the provider dated XX/XX/year> shows a balance of {$2000.00} ( see page XXXX of the statement ). However, the XXXX representative told me the balance was {$1800.00}, which is inconsistent with the official bill and caused confusion about the true amount being collected. 

During the call, I asked for information about any financial-assistance or hardship options for low-income patients, and I also requested information about how to dispute or verify the debt. The representative told me that I had no options and must pay the balance. He refused to provide any dispute, validation, or hardship information. 

The underlying provider, XXXX XXXX XXXX XXXX, is an independent physician billing group separate from the hospital system ( as shown in the statement ) and not part of XXXX XXXX financial-assistance program. I was trying to understand what assistance or dispute rights applied to this separate entity, but the collector refused to answer my questions. 

This resulted in misrepresentation of my rights, inconsistent information about the amount owed, and refusal to provide the information I requested in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-03 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: NC

Complaint narrative:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which v

iolates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-03 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:
Consumer Reporting Agencies are required to ensure that all information they report is accurate, fair, and handled with respect for consumer privacy. In this case, they failed to meet those responsibilities. I never gave written consent for my information to be reported, which v

iolates 15 U.S.C. 1681b ( 2 ). Because of this failure, my information has been used without authorization, leading to an alleged identity theft issue under 15 U.S.C. 1681c-2. The accounts being reported do not belong to me. The company has also violated multiple provisions of the Fair Debt Collection Practices Act. Under 15 U.S.C. 1692f, they are prohibited from using unfair or abusive methods to collect a debt, including trying to collect amounts not permitted by law or agreement. They also violated 15 U.S.C. 1692e by using false and misleading claims in their attempts to collect a debt I do not owe. In addition, they contacted me at inappropriate and inconvenient times, which is another violation of federal law.

I have been repeatedly harassed over a debt that is not mine and subjected to contact that is both inappropriate and unlawful.

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 2025-12-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
My lender, XXXX XXXX, has been reporting false information on my credit file for over five years. My vehicle was impounded in XX/XX/XXXX, and XXXX XXXX was notified but never retrieved the vehicle. I have not had possession of the car since XXXX. 

Despite this, XXXX XXXX has reported the loan as XXXX, and they have falsely reported rolling XXXX late payments every month for XXXX years, which is impossible. 

They also falsified the Date of First Delinquency to extend negative reporting into XXXX, even though the last legitimate activity occurred in XXXX. This is illegal account re-aging. 

This information is not correctable because the entire account is built on false reporting. Under the FCRA, the only appropriate remedy is full deletion of the tradeline.

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 2025-12-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding XXXX Banks refusal to release cashback rewards I earned on my closed credit card account ( ending in XXXX ). The bank closed the account without advance notice and has withheld {$93.00} in cashback rewards that were fully earned before the closure. 

I used the account responsibly, made timely payments, and had no irregular activity. After the account was closed by the bank, I attempted multiple times to request the release of my earned cashback. Instead of processing the payout, U.S. Bank repeatedly sent generic responses and cited discretionary clauses without providing any specific explanation, evidence, or justification for withholding my rewards. 

I have contacted the bank through their customer outreach team, customer service line, and by email. Each time, they refused to issue the cashback or give a clear reason for denying funds I legitimately earned. 

Key concerns : The bank closed my account with no prior notice or transparent explanation. 

Earned cashback was withheld without due process, opportunity to redeem, or factual basis. 

Responses from the bank have been vague, non-substantive, and avoid addressing the cashback issue. 

Withholding previously earned rewards appears to be an unfair and deceptive practice. 

Requested resolution : Release the full {$93.00} in earned cashback rewards. 

Require U.S. Bank to provide a specific, factual explanation for withholding customer rewards upon account closure. 

Review whether XXXX Banks practice complies with consumer protection standards. 

I am prepared to provide statements, emails, and screenshots showing my earned cashback amount prior to closure and the communications with the bank. 

Thank you for your assistance in resolving this matter. 

Complainant : XXXX XXXX Email : 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 explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: 1st Franklin Financial Corporation
State: MS

Complaint narrative:
The account if from XXXX, and due to circumstances I was unable to pay the loan out due to being incarcerated for XXXX years. I came home in XX/XX/XXXX and the first credit report that I received the account was closed sold as bad debt and charged off. There had been nothing reported on the account for years but the information that was listed like the balance and the opening date and last payment date were inaccurate. So I filed an online dispute asking them to verify the original loan documents and requested to have the account removed from my report since I am struggling to keep a roof over my kids heads, while working full time it's still not enough money to pay off the account. However instead of that helping me, the updated to account information with late/derogatory payments updated the status from closed to open on XXXX report and closed with a balance increase of almost {$700.00} and my credit dropped over XXXX point instantly. They also listed the date wrong but continue to deny my dispute, so I asked for all the original documents to prove that was how much I really owed and why they increased the balance on a the account when its status was closed before the dispute and charged off.So because I'm tired of fighting a battle I clearly can't win with the company, this is final attempt of desperation to have this account removed for violating my rights when all the information on the account is inaccurate and they update it with more inaccurate info every time. So please can you do an investigation and maybe force them to verify all original documents for the account/ or delete it from my report since its preventing me from baig able to take care of my kids and family, pay ll bills and be able to keep this house for my kids and myself to be victims of the bureaus way of extending the length, increasing the balance by XXXX dollars and continues to report XXXX that the last payment is late by XX/XX/XXXX days and on another report its status iis listed as charged and charged off on another report. I need thi XXXX removed from my report please. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: CA

Complaint narrative:
I initiated an international remittance of {$9500.00} USD from the XXXX to XXXX via the Abound App ( XXXX XXXX XXXX ). The app status and support team falsely claim the transaction is " Settled ''. 

However, I have obtained official written confirmation from the beneficiary bank, XXXX XXXX XXXX, that the transaction ( XXXX  : XXXX ) was rejected and returned to the provider on XX/XX/year>. 

The bank confirmed the funds were returned due to a technical error on the remittance provider 's side. The specific rejection reason provided by the bank is " Document and AppHeader Rule validation failed! '' with Error Code XXXX. ( Attached email from Bank ). 

Despite this evidence, Abound Support agents ( specifically XXXX XXXX, XXXX XXXX, and XXXX XXXX ) have repeatedly stated between XX/XX/XXXX and XX/XX/XXXX that the funds were " successfully settled '' and have refused to acknowledge the return. They are currently holding my returned funds ( {$9500.00} USD ) and have failed to investigate this error or issue a refund for over 10 days. This failure to resolve a reported error and holding returned funds constitutes a violation of the Remittance Transfer Rule ( Regulation E ).

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
Beginning in XX/XX/year>, I became eligible for federal student loan forgiveness based on completing XXXX years of qualifying public service. Despite meeting all requirements, submitting the necessary documentation, and receiving confirmation that my employment and service history were accepted, my forgiveness has been repeatedly delayed without explanation. Since XX/XX/year>, I have contacted the loan servicer multiple times to request updates, but I have been given inconsistent information and no clear timeline for resolution. My loans continue to be reported as active, and no corrective action has been taken by the servicer to finalize the discharge that I am entitled to under federal forgiveness rules. I am requesting that this matter be reviewed and that the company immediately process the loan cancellation owed to me.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I just want all of the hard inquiries off 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 2025-12-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: LA

Complaint narrative:
My rental lease ended XX/XX/year>. I moved out of the unit on XX/XX/year>. I dropped a XXXX day notice in the apartment complex drop box making the office staff aware of my departure ahead of time. Somehow this was misplaced, as the apartment complex claims I did not give a XXXX day notice of departure from the residence. This is not true. Complex also claims I moved out XX/XX/year>, a month later than I originally departed, despite documented proof that I moved out of the unit and returned keys XX/XX/year>. Now I have a negative mark on my credit report due to a wrongful debt created by this company. The balance I allegedly owe is also different on my credit report versus what the company is telling me I allegedly owe.

Company response to consumer: Closed with explanation