vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I am writing this dispute an inaccurate item on my credit report. I do not owe that amount That is an incorrect amount showing on my report. My payment history is incorrect. 

This information is incorrect and does not accurately reflect my account history. Under the Fair Credit Reporting Act ( FCRA ), I am requesting that you investigate this matter and correct or remove the inaccurate reporting date. 

Please provide me with written confirmation once the investigation is completed and the correction is made. 

I have enclosed a copy of my ID and proof of address

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 2025-09-14 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: TN

Complaint narrative:
To Whom It May Concern : I am submitting this complaint regarding Experian 's failure to properly investigate my consumer report dispute, in direct violation of their obligations under the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I filed a formal dispute with Experian to correct fraudulent and inaccurate information appearing on my consumer report. Instead of conducting a proper investigation, Experian responded with a stall letter that neither addressed my dispute nor took steps to resolve the inaccuracies. 

I am aware that the CFPB has recently filed a lawsuit against Experian for these very same practices namely, their systemic failure to properly investigate consumer disputes. I am a direct victim of this misconduct. 

As a XXXX veteran who suffers from XXXX, this experience has been extremely stressful and emotionally triggering. I am currently in the process of closing on a mortgage, and I am under strict time constraints with only XXXX week remaining to finalize my home purchase. Experians refusal to lawfully process my dispute is putting my homeownership at serious risk, compounding my stress and potentially causing irreparable harm to my financial future. 

I respectfully request that the CFPB take immediate action to ensure Experian fully complies with the FCRA, properly investigates my dispute without further delay, and removes the fraudulent and inaccurate items from my consumer report. I also request that Experian be held accountable for the injury and distress they have caused. 

I am attaching supporting documents, including copies of my dispute submission and Experians stall letter, should you require further evidence of their noncompliance. 

Thank you for your immediate attention to this urgent 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 2025-09-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I paid the full amount of my statement on the payment due date but due to bank to bank issues the transaction got flagged and didnt get paid. As soon as I saw the alerts from Amex I looked into it and paid the same day of notice the full amount again after registering Amex as a vendor. Amex still charged over {$700.00} in interest and said that they dont waive interest regardless why it occurred. 

When the issue was due to financial institutions not clearing things for each other I dont understand why I as a consumer should be penalized for that. 

I ask Amex to refund the interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have never been late nor missed a payment with this company since I started making payments XXXX  months ago. This month I attempted to make a payment towards the monthly bill before my auto payment date. They took a {$170.00} payment and did not apply it to my monthly bill therefore expecting me to still pay the full amount if {$340.00} on XX/XX/year>. I tried to call their customer service numbers which are ( XXXX ) XXXX ) and ( XXXX ). Both of those numbers have no option that leads you to a human to help me with my problem. The only person you can talk to is a sales representative who can't help you in anyway other than referring you to XXXX of those numbers previously stated. This lead me to file a dispute with my bank because the money I wanted to go to my monthly payment could not be fixed by contacting them. After I disputed it with my bank and got the {$170.00} payment cancelled. They then decided that they had the grounds to charge me an additional fee to my monthly payment for " Non-Sufficient funds ''. First thing is that I had the funds to pay but was unable to apply my money how it was intended to be spent, therefore my bank cancelled the payment because it was not allocated properly. Second they left me no path to fix the issue with them so I was forced to fix it through my bank. This company is impossible to work with or get in contact with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: MS

Complaint narrative:
Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 
Account name : XXXXXXXX XXXX XXXX XXXXccount number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1000.00} Account name : XXXX XXXX XXXX XXXX XXXXccount number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$740.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX. 
Account number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXXXXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1500.00} Account name : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Account name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$2900.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1700.00} Account name : XXXX XXXX  Account number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX XXXX  Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX Balance : {$0.00} Account name : XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$0.00} INQUIRIES : XXXX XXXX XXXXXX/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 2025-09-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: MO

Complaint narrative:
Nelnet Loan Servicing was XXXX accounts with the same partial account numbers and different recent balances on XXXX, Partial Account Number XXXX....... 

Nelnet Loan Servicing was XXXX accounts with the different partial account numbers on XXXX. 
Nelnet Loan Servicing was XXXX account partial account number, account number XXXX XXXXXXXX on XXXX  that was been transferred/sold but still appears on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-15 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Inquires I dont acknowledge has been present on my report and need deleted

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 2025-09-15 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: MS

Complaint narrative:
Inquires I dont acknowledge has been present on my report and need deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : After reviewing my credit report, I notice inaccurate information on my credit report and in accordance with the fair credit reporting act the following accounts are reporting late on my credit report and violated my rights. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to FCRA law US1666 ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge.

According to 15 USC 1681s-2b a person who has furnished to a consumer reporting agency information that the person determines is not complete or accurate, shall promptly notify the consumer reporting agency of that determination and provide to the agency any corrections to that information, or any additional information, that is necessary to make the information provided by the person to the agency complete and accurate, and shall not thereafter furnish to the agency any of the information that remains not complete or accurate.

Also, according to 15 USC 1681n, if law is violated ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater Please delete late payments from all the accounts. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: IL

Complaint narrative:
I discovered serious identity-theft / mixed-file errors on my Clarity consumer file that do not belong to me and that indicate my identity has been used fraudulently. I request that Clarity immediately remove these items, preserve records for criminal investigation, and provide a written explanation of your reinvestigation results. 



Details : On XX/XX/year> my Clarity report included XXXX consumer names and associated records that I have never used and that are not me : XXXX XXXX ( spelled by XXXX as XXXX XXXX ). Clarity shows a drivers license with number XXXX ( the same last-four I use ), an address of XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX phone XXXX, email shown as XXXX, and a bank listed as XXXX ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  I have never lived at that address, never used that name, and do not know this person. 
XXXX XXXX ( spelled XXXX XXXX ). Clarity shows a drivers license with number XXXX, an address of XXXX XXXX XXXX XXXX XXXX XXXXXXXX, phone XXXX, and an email shown as XXXX. I have never lived at that address, never used that name, and do not know this person. 




The file also lists multiple hard inquiries and other account entries from XXXX that are not mine. I currently live in Illinois and have never lived in XXXX XXXX XXXX at the addresses listed. The presence of other peoples emails, phone numbers, addresses, and bank account information under my identifying information is evidence of identity theft or a mixed file. 



Actions Ive taken : I have created an FTC IdentityTheft.gov report ( attached ) and will be filing a police report. I have placed a credit freeze and fraud alert on my credit files. I requested a full file disclosure from Clarity and am submitting this complaint because Clarity is reporting these inaccurate and fraudulent items on my consumer file. 



Requested resolution : XXXX ) Delete all items that do not belong to me ( the XXXX names/IDs, associated addresses, phone numbers, emails, bank accounts, and any related inquiries ) ; XXXX ) Preserve all records, application materials, IP logs, and communications related to the disputed items and furnishers for use in a criminal investigation ; XXXX ) Provide written confirmation of the results of your reinvestigation ( including what was removed and why ) and a copy of the documentation you used to verify the items ; XXXX ) If you can not remove an item, explain precisely why and provide copies of the documentation showing it belongs to me. 



Please advise immediately how you will proceed. I will supply my police report number once filed and will cooperate with investigators. Thank you. 

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 2025-09-14 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: FL

Complaint narrative:
My credit report has several negative items that are reporting inaccurately

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 2025-09-14 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: FL

Complaint narrative:
My credit report has several negative items that are reporting inaccurately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
YOUR COMPLAINT Debt is being reported twice on my credit!

I am responding to your contact about an alleged debt you are trying to collect. You contacted me by [ phone/mail/email ], In XX/XX/year> and identified the alleged debt as [ credit card debt ]. Please supply the information below so that I can be fully informed about the alleged debt : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the alleged debt is currently owed. The name and address of the original creditor and any other names used. A copy of the original contract or other agreement. The name of any other person that is or was required to pay the alleged debt. The amount and age of the debt, including : Provide a copy of the last billing statement sent to me by the original creditor. State the amount of the alleged debt when you obtained it. State the date when you obtained the alleged debt. Provide an itemized list of any alleged interest, fees, or charges since the last billing statement from the original creditor. Provide a copy of any agreement expressly authorizing such interest, fees, or additional charges. Provide an itemization showing any payments since the last billing statement from the original creditor. State when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. State when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt, including : Provide the number of any license to collect debt in [ insert name of the state where you live ] and the name of the issuing agency. Provide the number of any license to collect debt in the state where you are located and the name of the issuing agency. Please treat this debt as disputed until you provide the information requested. Thank you for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: TX

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. 
My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRAs permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-14 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  due to inaccurate and misleading reporting on my credit report and poor handling of my credit card account. 

XXXX XXXX closed my credit card account without notifying me, and subsequently reported it as a charge-off. The balance they reported as " charged off '' was incorrect and did not reflect the true amount I owed at the time. In addition, the amount they claimed to have written off as a loss also appears to be inaccurate. 

After closing the account, XXXX XXXX reported the charge-off status for multiple consecutive months, rather than reporting it as a one-time charge-off as required by credit reporting standards. This repeated reporting of the same negative event has caused additional and prolonged damage to my credit score I was not informed that the account would be closed, and I was not given the opportunity to bring it current or resolve the matter before the closure and charge-off occurred. I only became aware of the situation when I reviewed my credit report. 

This behavior appears to violate the Fair Credit Reporting Act ( FCRA ), particularly the requirement for credit furnishers to report accurate and complete information. It may also violate provisions related to unfair or deceptive practices.

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 2025-09-14 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: MI

Complaint narrative:
I am filing this complaint against XXXX XXXX XXXX  due to inaccurate and misleading reporting on my credit report and poor handling of my credit card account. 

XXXX XXXX closed my credit card account without notifying me, and subsequently reported it as a charge-off. The balance they reported as " charged off '' was incorrect and did not reflect the true amount I owed at the time. In addition, the amount they claimed to have written off as a loss also appears to be inaccurate. 

After closing the account, XXXX XXXX reported the charge-off status for multiple consecutive months, rather than reporting it as a one-time charge-off as required by credit reporting standards. This repeated reporting of the same negative event has caused additional and prolonged damage to my credit score I was not informed that the account would be closed, and I was not given the opportunity to bring it current or resolve the matter before the closure and charge-off occurred. I only became aware of the situation when I reviewed my credit report. 

This behavior appears to violate the Fair Credit Reporting Act ( FCRA ), particularly the requirement for credit furnishers to report accurate and complete information. It may also violate provisions related to unfair or deceptive practices.

Company response to consumer: Closed with explanation