vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I had an American Express Card that I cancelled sometime in early XXXX. Upon viewing my credit report on XXXX, I saw that the card was still open. I contacted American Express via phone on XXXX to inquire as to why it was still open and they informed me that only the " authorized user 's '', which was my wife, account was cancelled. They then proceeded to tell me that I owed the {$150.00} annual fee that was assessed in XXXX of XXXX. I informed them that I had not received any bill in the last year and requested that they waive the {$150.00} annual fee and close the account. After speaking to 4 different representatives, they refused to waive the fee and continued to try to get me to keep the credit card and continued to push different offers onto me. They also pressured me to make a payment for the {$150.00} over the phone. The card was requested closed and has had no activity for over 18 months and we have not received any statements, invoices or letters saying this annual fee was due in XXXX XXXX. They also refused to provide any proof that statements were actually sent or delivered. I do not believe I owe American express this {$150.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ARVEST BANK GROUP, INC.
State: AR

Complaint narrative:
Arvest bank doesnt let me have access to my account, they made me change the password more than XXXX times and I still not have access

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 2025-04-15 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-15 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:
I remain seriously concerned that my credit report still includes inaccurate and incomplete information. Despite multiple attempts to correct it, no action has been taken, and it's continuing to harm my credit unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Maximus Federal Services, Inc.
State: AL

Complaint narrative:
I received a notice from XX/XX/XXXX that I have a loan 90 days past due that I know nothing about. I called AIDVANTAGE yesterday, and the representative hung up on me when I asked for a copy of what I'd supposedly signed 10 years ago. I have never received a notification of any loan or balance due for this supposed loan. I've received no past due notices. Supposedly it was a loan originated on XX/XX/2015 for {$7700.00}. I have no knowledge of this loan and now I am showing past due for over {$11000.00}. I have had my credit score drop 170 points. I would have happily paid any loan back wayyyyyyyyyyy before 10 years if I'd known I had one. I want documented proof of this loan along with this negative reflection being removed on my credit report from XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Dear XXXX XXXX XXXX  Customer Service, I hope this letter finds you well. Im writing regarding my account # XXXX with your institution. I want to begin by expressing my sincere appreciation for the financial products and services XXXXXXXX XXXX  has provided. Ive enjoyed being a customer and value the relationship weve built. 

Im reaching out to respectfully request a goodwill adjustment concerning the late payments reported in XXXX, XXXX and XX/XX/XXXX as well as these are the ones that are the most important XXXX XXXX XXXX and XXXX of XXXX. This was an isolated incident that I had contacted yall about prior to these payments going into default, and I take full responsibility for the oversight. At the time, I was going through XXXX I had to do XXXX and was unable to work, which I did try to explain to yall before I started missing payments. I was experiencing unforeseen financial hardship due to medical issues/job loss & pandemic-related challenges, which disrupted my ability to make timely payments. Since then, Ive made consistent and timely payments and have worked diligently to restore my financial stability.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Dear XXXXXXXX XXXX XXXX  Customer Service, I hope this letter finds you well. XXXX writing regarding my account # XXXX with your institution. I want to begin by expressing my sincere appreciation for the financial products and serviceXXXX XXXX XXXX has provided. Ive enjoyed being a customer and value the relationship weve built. 

Im reaching out to respectfully request a goodwill adjustment concerning the late payments reported in XXXX, XXXX and XX/XX/XXXX as well as these are the ones that are the most important XXXX XXXX XXXX and XXXX of XXXX. This was an isolated incident that I had contacted yall about prior to these payments going into default, and I take full responsibility for the oversight. At the time, I was going through XXXX I had to do XXXX and was unable to work, which I did try to explain to yall before I started missing payments. I was experiencing unforeseen financial hardship due to medical issues/job loss & pandemic-related challenges, which disrupted my ability to make timely payments. Since then, Ive made consistent and timely payments and have worked diligently to restore my financial stability.

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 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: DISCOVER BANK
State: CA

Complaint narrative:
Subject : Formal Complaint Against Discover Bank for Continued Reporting of Charged-Off Debt in Violation of the Fair Credit Reporting Act ( FCRA ) and IRS Regulations To Whom It May Concern, I am filing a formal complaint against Discover Bank for its unlawful and continued reporting of a charged-off debt to all three major credit bureaus ( XXXX XXXX XXXX XXXX  ), in direct violation of multiple federal laws, including the Fair Credit Reporting Act ( FCRA ). 
The account in question is a Discover credit card with an alleged balance of {$7400.00}, which Discover has classified as a charge-off. According to the reporting, the account was opened on XX/XX/XXXX and charged off on or around XX/XX/XXXX. 
Grounds for My Dispute and Legal Violations : 1. Discover Bank Failed to Provide Validation ( FCRA 609 ) I submitted formal disputes to all three bureaus requesting validation of this debt. Discover Bank failed to provide any legally sufficient documentation, such as a signed agreement, billing statements, or transaction records. Despite this, they continue to report this account as valid. 
2. Failure to Properly Investigate My Dispute ( FCRA 611 ) Discover verified the account with the bureaus without conducting a proper investigation. They provided no documentation to me. This constitutes a violation of FCRA 611 and gives grounds for deletion of the tradeline.

3. Violation of FCRA 1681e ( b ) Inaccurate and Unverified Reporting My credit reports also contain multiple name variations and outdated addresses, which may have led to file mixing or incorrect attribution. Discover has not taken steps to ensure accuracy in their reporting, further violating their responsibilities under 1681e ( b ).

4. IRS Reporting Conflict 1099-C Never Issued A charge-off of this magnitude ( {$7400.00} ) should trigger the issuance of an IRS Form 1099-C ( Cancellation of Debt ). I have never received a 1099-C from Discover. If Discover charged off this amount for tax purposes, the debt should be considered forgiven and legally uncollectible. If they did not file a 1099-C, then the continued reporting of the balance is deceptive and inconsistent with tax reporting standards. 
This discrepancy suggests either : The debt has been forgiven and should not be reported as collectible, or The debt is being falsely reported as charged-off without fulfilling the IRS requirements XXXX and is therefore an unverified derogatory tradeline. 
5. Damage to My Credit and Livelihood Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: TN

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
I have requested that this debt be verified this company has failed to do so on multiple occasions. The debt does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: AR

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Hello. There are fraudulent inquiries on my report applications made in my name that I did not make nor given/authorize consent to. I suspect that it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was reviewing my accounts on XXXX. XXXX XXXX  when I noticed an interest charge that I was previously unaware of. Upon further review they had been charging me interest on a charge that had been put onto my account back in XX/XX/year>. Apparently this purchase was placed on my account due to a XXXX  returned check. They had already credited the account even though the check had not cleared through, therefore charged back the account in the amount that was credited. I had opened the account taking advantage of a promotional XXXX XXXX on balance transfers. When I called they said that was standard practice instead of just reversing the credit they charged the credit card superseding any promotional rate thereby now charging me for a purchase under standard interest rates. 
This is the first time I have ever had a returned check on a promotional offer and was unaware of practice. I reviewed their charges and fees disclosures page and saw no mention that any returned check payment credit would be charged as a standard purchase subject to standard interest rates. I requested a full terms and agreement and no where does it say I would be charged a standard purchase that would supersede any promotional rate. I had made a subsequent payment to the account to avoid late fees so my account was still in good standing at the time of the error. I had not made any purchases or used the card in anyway to avoid the standard interest until the card was paid off. I had the call upgraded to a supervisor level and they refused any type of consideration except to say it's in their full terms and disclosures and offered to send me a copy. This seems completely unethical and definitely not consumer friendly to one who has been trying hard to reverse bad credit decisions in the past and trying to save some money to pay off debts without going through XXXX  or other " credit '' repair companies.

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 2025-04-15 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: AR

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: EQUIFAX, INC.
State: TN

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: NY

Complaint narrative:
According to my credit report, the following bankruptcy details have been recorded : Type : XXXX XXXX Bankruptcy Status : Dismissed Date Filed/Reported : XX/XX/XXXX Reference XXXX XXXX XXXXXXXX Closing Date : XX/XX/XXXX Asset Amount : {$0.00} Court : US Bankruptcy Court XXXX XXXXXXXX I am filing this complaint because the credit reporting agencies have continued to report a bankruptcy on my credit report even after I submitted a formal dispute requesting its removal. In response to my initial dispute, the item was marked as verified. However, I then reached out to the bankruptcy court directly, and they provided written confirmation that they do not report or furnish bankruptcy information to credit bureaus or third-party agencies. 

This means the credit reporting agencies could not have verified this information with the actual sourcethe U.S. Bankruptcy Courtbecause the court does not furnish or confirm such information. Therefore, the verification was either fabricated, based on third-party data mining ( like XXXX or XXXX ), or it was not verified at all in compliance with the Fair Credit Reporting Act ( FCRA ). 

This action is a violation of FCRA 611 ( 15 U.S. Code 1681i ), which requires the credit bureaus to perform a reasonable investigation. Verifying with a third party or data aggregator does not qualify as a reasonable investigation when the original furnisher ( the court ) did not provide the information. This also violates FCRA 607 ( b ), which requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-15 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-15 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: AZ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: IL

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-15 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: NC

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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