vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EGL US, LLC
State: CA

Complaint narrative:
I have enclosed copies of my credit reports to show the violations by BMG.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I've contacted XXXX XXXX and XXXX XXXX XXXX  and had my address updated. 

My address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I do not live at XXXX XXXX XXXX and this address needs to be removed off my experian report immediately under FTC and FCRA requirements. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX this address needs to be removed from my experian report immediately under FTC and FCRA.

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 2025-05-21 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: TX

Complaint narrative:
Recently I did an investigation on my credit report and found several items on there to be inaccurate. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719. I presume that no Proof of the alleged debt, nor therefore any such debt, in fact thereof exist. 

Experian * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : 30/60-day lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection TransUnion * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : XXXX lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection Equifax * * * Dept of Ed / XXXX Type : Student Loan Balance : {$3500.00} Status : Open, Past Due Late History : XXXX lates XXXX. XXXX XXXX ( formerly XXXX  ) Type : Lease Account Balance : {$2800.00} Status : Charged-Off Late History : 30/60-day lates XXXX. XXXX XXXX XXXX Type : Closed Account Status : Delinquent Late History : XXXX lates XXXX. XXXXXXXX XXXX XXXX XXXX XXXX Type : Collection Balance : {$2700.00} Opened : XX/XX/year> Status : Open Collection

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Maximus Federal Services, Inc.
State: NJ

Complaint narrative:
Dear CFPB Officer, I am submitting this formal complaint regarding ongoing violations of federal consumer protection laws by the XXXX XXXX XXXX  Aidvantage , and credit reporting agencies XXXX, XXXX  , and XXXX  , related to inaccurate, incomplete, and unverifiable reporting of a student loan account on my credit file. 

Loan Servicer/Creditor Name : XXXX XXXX XXXXXXXX Aidvantage Account Number : XXXX Appearing On Reports From : XXXX, XXXX, XXXX I have previously disputed this item directly with the credit bureaus. Despite this, the account remains on my credit reports without proper investigation, verification, or correction, which is a direct violation of the following federal laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Credit bureaus must reinvestigate disputes within 30 days.

15 U.S.C. 1681s-2 ( b ) Furnishers must investigate disputes, correct inaccurate info, and report results to all credit bureaus.

15 U.S.C. 1681e ( b ) Credit bureaus must follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681c ( a ) Obsolete information ( e.g., defaults over 7 years old ) must be excluded.

Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a debt is disputed, collectors must cease collection and provide verification before continuing.

15 U.S.C. 1692e ( 8 ) It is illegal for debt collectors to communicate credit information known to be false or disputed without noting it. Higher Education Act ( HEA ). If the loan is a federal student loan Federal loan servicers must provide accurate and complete reporting, and borrowers must receive all due process rights, including the right to dispute or appeal adverse actions.

They inaccurately reported incorrect balance, status, dates, and ownership, and they also accessed my private information without my permission, and also improperly verified or not verified at all after I submitted a dispute.

This inaccurate report caused me financial harm by lowering my credit score and limiting access to credit, housing, and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
Cashapp has repeatedly ate my mobile deposits from both senders and merchants. When contacted Ive rudely and abruptly been told to contact the merchant for the fees however when asked to block the merchants until I find a resolve, they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Hi, My company has been a long-standing American Express client with multiple business cards, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX We have never had late payments, disputes, or credit issues. American Express representatives have even visited our company, acknowledging our valued customer status. 
On XX/XX/year>, all our credit cards were canceled without notice, despite our commitment to paying an outstanding balance due on XX/XX/XXXX. Additionally, XXXX XXXX rewards points ( worth {$550000.00} USD ) were taken from our account. 
We immediately contacted American Express, but all requests were denied. We sent a formal claim notice on XX/XX/XXXX, and delivered on XX/XX/XXXX. 
We now request mediation to reinstate the reward points to us and let us redeem them if the credit cards can't get reinstated for whatever reason, but since the credit cards are crucial for business operations, we also need the cards to be reinstated. 
Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my credit file from Experian, Transunion XXXX Equifax. I discovered several hard inquiries that I did not initiate or authorize. 

The following inquiries are of concern : XXXX Date of Inquiry : XX/XX/year> XXXX Financial Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX Financial Date of Inquiry : XX/XX/scrub>XXXX XXXX  Date of Inquiry XXXX XX/XX/year> I have never applied for credit with these companies, nor have I given them permission to access my credit information. These unauthorized inquiries are negatively affecting my credit score and raise concerns about potential identity theft. 

I have attempted to contact the credit bureaus and the listed companies to dispute these inquiries, but have not received a satisfactory resolution. I am now requesting the CFPBs assistance in investigating this matter and ensuring that these unauthorized inquiries are removed from 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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized credit inquiries that have appeared on my credit report. Upon reviewing my credit file from Experian, Transunion XXXX Equifax. I discovered several hard inquiries that I did not initiate or authorize. 

The following inquiries are of concern : XXXX Date of Inquiry : XX/XX/year> XXXX Financial Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX XXXX XXXX Date of Inquiry : XX/XX/year> XXXX Financial Date of Inquiry : XX/XX/scrub>XXXX XXXX  Date of Inquiry XXXX XX/XX/year> I have never applied for credit with these companies, nor have I given them permission to access my credit information. These unauthorized inquiries are negatively affecting my credit score and raise concerns about potential identity theft. 

I have attempted to contact the credit bureaus and the listed companies to dispute these inquiries, but have not received a satisfactory resolution. I am now requesting the CFPBs assistance in investigating this matter and ensuring that these unauthorized inquiries are removed from 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 2025-05-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This letter constitutes my final formal notice regarding the inaccurate late payment currently reported on my credit file and your agencys continued noncompliance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq.

Despite multiple previous disputes, you have continued reporting this negative information without providing any supporting documentation to substantiate its accuracy. A generic verified response does not fulfill your legal obligation to conduct a reasonable reinvestigation under FCRA 1681i.

Additionally, your agency is in violation of FCRA 1681e ( b ), which requires credit reporting agencies to maintain the maximum possible accuracy of consumer information. Your ongoing failure to remove unverified data and refusal to provide original documentation amounts to willful noncompliance.

You are hereby given 30 days from the date of this letter to provide the following : Complete and original documentation from the creditor validating the alleged late payment ; A detailed account of your reinvestigation process, including verification sources ; Immediate deletion of the disputed item if it can not be fully verified with substantive and original evidence. 

As further support, I refer you to recent enforcement actions brought by the Consumer Financial Protection Bureau ( CFPB ), including the XX/XX/2025 lawsuit against TransUnion for mishandling consumer disputes and reporting inaccurate information. Your conduct mirrors the deficiencies cited in that case and reinforces my grounds for legal action. 
XXXX 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 2025-05-21 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year>, I submitted my first formal dispute letter to TransUnion demanding verification or deletion of an unauthorized bankruptcy entry. I followed up with second and third notices on XX/XX/XXXX and XX/XX/XXXX. These notices lawfully demanded : A full reinvestigation under FCRA 611 ( 15 USC 1681i ) Disclosure of the data source and furnisher per FCRA 609 ( 15 USC 1681g ) Proof of lawful identity match and contractual consent under FCRA 602 ( A ) Deletion of unverifiable information under FCRA 1681s-2 ( b ) Legal standing preservation under UCC 1-308 and common law rights under UCC 1-103 Despite these lawful demands, TransUnion : Did not respond within the required 30-day window Only responded after the deadline, stating an ongoing investigationa direct FCRA violation Never verified the legal basis for identifying me as the debtor or corporate entity Never provided documentation proving that I am contractually liable or consented to this reporting I made clear that I do not authorize or consent to the reporting of any personal or financial data, and that I do not operate as the corporate fiction XXXX XXXX. TransUnion has failed to prove that I am the party responsible for any account or filing tied to that name, yet continues to publish harmful, unverifiable information under it. 

I am attaching sworn Affidavit of Status and Affidavit of Non-Consent, both unrebutted, which establish that I never authorized TransUnion to use or report my information, and that all presumed commercial authority has been lawfully rebutted. 

Requested resolution : Permanent deletion of the bankruptcy and any related derogatory data Full FCRA compliance with written verification of source and legal basis ( if retained ) Formal confirmation that TransUnion acknowledges and honors my legal status, separation from the corporate entity, and all rights reserved Failure to comply should result in enforcement actions, liability, and legal remedy.

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 2025-05-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-05-22 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: AL

Complaint narrative:
The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) 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 XXXX 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 ( XXXX ) 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 non-monetary relief