vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express canceled my card without my permission! this is XXXX of the oldest card on my credit report and by AMEX closing it they destroyed my whole credit card without a proper cause. I have made my payment all the times with them without any delay and I have proof that I have 100 % on Time payment. I called them asking why they did that? they said because there was some return payment from my personal bank the one I use to pay my AMEX card. I told them that it is not my fault and they should have contacted me and my bank on a conference call to see what is the issue. However, all my payments were on time and some time ahead of my due date. I asked them why they didn't notify me at least before making this decision and no answer were provided except sorry but we can't re-open your account but we can open a new credit card for you XXXX XXXX!! I told them I don't want to open a new account, I want my card back and this action destroyed my credit score and I was unfairly treated by American express. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: UT

Complaint narrative:
I am supposed to start making payments on my student loans again starting next month ( XX/XX/XXXX ). With the income-driven repayment options removed, I will be unable to keep up with monthly payments. I am currently in graduate school. I still have a balance on my undergrad loans from before XXXX, and I have new loans since XXXX when I started my masters degree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: SOFI TECHNOLOGIES, INC.
State: PA

Complaint narrative:
Sofi Bank keeps denying my disputes and I had many unauthorized charges on my Sofi money checking account that I didnt authorize. XXXX XXXX disputes all denied saying no unauthorized activity occurred and thats not true it did I was scammed and victim of fraud and scams. My other bank XXXX XXXX  gave me all my money back from the unauthorized XXXX XXXX charges and fraud that occurred. Sofi bank hasnt been fair to me and keeps denying my disputes and my appeals as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Credit score was pulled and vendor states I have no credit history showing. Personal information compromised during Equifax data breach.

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 2025-03-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Credit score was pulled and vendor states I have no credit history showing. Personal information compromised during Equifax data breach.

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 2025-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stein Law, P.C.
State: NV

Complaint narrative:
I have an open complaint and the company stated to cfpg that it needed time to respond ( complaint XXXX ). Instead the filed a lawsuit XX/XX/year>

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-24 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: VA

Complaint narrative:
I am writing to formally lodge a complaint concerning inquiries on my credit report that I neither recognized nor consented to. These unauthorized inquiries are not only concerning but also damaging to my financial reputation. It has come to my attention that certain inquiries have been made on my credit report without my consent or knowledge. I want to emphasize that I have no association with these inquiries and have never authorized any entity to access my credit information in this manner.

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 2025-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/year> I opened a new account with Wells Fargo under the premise that I would receive a {$320.00} bonus for doing so ( along with meeting a couple other conditions to receive the bonus, which I did meet ). They lied and no bonus was ever awarded, and they also lied and said they would call me back by XX/XX/XXXX regarding this case and they never did.

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 2025-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: TX

Complaint narrative:
Re : Dispute of Late Payments I am writing to formally dispute the accuracy of the late payment reported on my account as per my recent credit report. I believe this late payment is inaccurate and request that you investigate and correct this entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ).

According to 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ), a consumer is entitled to dispute inaccurate information on their credit report. I respectfully request that you thoroughly review the payment history of my account and correct the record if the late payment is not substantiated Please provide me with a response within the time frame stipulated by the FCRA ( typically 30 days from receipt of this dispute ). If you find that the late payment is reported in error, I request that you promptly update my credit report to reflect the accurate information.

Thank you for your attention to this matter. I expect a resolution at your earliest convenience. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: CA

Complaint narrative:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a repossession for {$29000.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, 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 2025-03-24 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:
Subject : Request for Removal of Unverifiable Account Dear Credit Reporting Department, I am writing to formally request the removal of an account from my credit report as reported by [ Equifax, Experian, or TransUnion ]. This request is based on the recent deletion of an account by XXXX, one of the four major credit reporting agencies. I recently disputed a repossession for {$29000.00} from XXXX XXXX XXXX, listed on my XXXX report, and following a thorough investigation, XXXX has completely removed this unverifiable debt from my report as of XX/XX/year>. According to the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), all consumer reporting agencies must ensure that information in consumer reports is accurate, fair, and verifiable. Since XXXX has removed this account after its verification process, I request that you do the same and remove this unverifiable account from my credit report. Supporting Consumer Laws : FCRA Section 611 ( 15 U.S.C. 1681i ) requires that inaccurate or unverifiable information must be deleted from a consumer 's credit file. I am exercising my right to ensure that my credit report remains fair, accurate, and free of unverifiable information. Since XXXX has deemed this account unverifiable and removed it, you must take similar action. Additionally, under FCRA Section 623 ( 15 U.S.C. 1681s-2 ), information suppliers must report only complete and accurate information. With XXXX having deemed this information unverifiable, I urge you to align its records accordingly. Please provide confirmation of this removal within 30 days of receipt of this request. If the account is not removed, I am prepared to pursue further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal action under the provisions of the Fair Credit Reporting Act ( FCRA ), including Section 616 ( 15 U.S.C. 1681n ), which allows consumers to seek legal recourse for willful noncompliance, and Section 617 ( 15 U.S.C. 1681o ) for negligent non-compliance. I appreciate your prompt attention to this matter, as it directly impacts my credit report 's integrity. Please notify me in writing once this deletion has been processed. Thank you for your immediate attention to this request. Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing a formal dispute against Equifax for their continued reporting of inaccurate and derogatory information regarding my XXXX XXXX account, which has been fully paid. Despite my balance being reduced to zero, Equifax continues to report the account as derogatory, causing significant harm to my financial standing and well-being. This erroneous reporting is adversely affecting my ability to secure housing, and it has caused me undue stress, anxiety, and health-related issues.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., credit bureaus are required to maintain accurate and up-to-date consumer credit information. Specifically, 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that credit reporting agencies must conduct a reasonable investigation when a consumer disputes information. Additionally, 15 U.S.C. 1681e ( b ) mandates that credit reporting agencies ensure the maximum possible accuracy of the information they report. By continuing to report inaccurate information despite my attempts to correct the record, Equifax is violating these provisions.

Moreover, Equifax has been found liable in numerous cases for failing to accurately report consumer credit information. Cases such as : XXXX XXXX XXXX v. Equifax ( XXXX ) Equifax was held accountable for incorrect reporting that damaged the consumer 's ability to obtain credit and employment opportunities. 

XXXX XXXX XXXX XXXX XXXX XXXX Equifax ( XXXX ) This case ruled in favor of the plaintiff due to XXXX XXXXXXXX and Equifax failing to remove inaccurate information despite multiple disputes. 

Despite my efforts to resolve this matter directly with Equifax, they have refused to remove the inaccurate reporting of my XXXX XXXX account. This refusal not only violates federal law but also constitutes negligence and willful misconduct under the FCRA. 

I am requesting immediate action from the CFPB to compel Equifax to correct their records and remove the derogatory status from my credit report. Please investigate this matter promptly and enforce compliance with the law. I am prepared to escalate this issue further if necessary, including pursuing legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-24 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: TX

Complaint narrative:
I have discovered unauthorized accounts and inquiries on my consumer report, prompting me to file a complaint with the Federal Trade Commission ( FTC ). My grievance is directed towards Experian, Transunion, and Equifax for infringing upon my consumer rights by including these accounts in my credit report. I strongly believe that this situation exploits me, and I seek resolution. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-03-24 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: NJ

Complaint narrative:
Subject : Dispute of Credit Report Information Request for Investigation Dear Sir/Madam , I am writing to dispute the following entries on my credit report as provided by your agency. I believe these entries contain inaccuracies, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). Below, I have outlined the specific accounts in question, along with the issues I am disputing.

While disputing for the last 12 months with email responses after proof of Identity given and also reporting a different name and address and allowing fraud to take place on my name. I have 1 address, 1 name and 1 phone number any alterations or abbriviations are fraudulent and are inaccurate and Experian has failed to follow FCRA Laws and follow the security freeze and Opt out that was requested.

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 2025-03-24 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by the silence XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX presume that no proof of the alleged debt. Nor therefore any such debt in the fact therefore exist. ( Please remove this account before I seek Litigation for defamation of character ) XXXX XXXX. {$6400.00}, XXXX XXXX XXXX XXXX XXXX XXXX. {$89.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: GA

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

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 2025-03-24 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: OR

Complaint narrative:
Over the past four years, someone named XXXX XXXX used my personal information to apply for credit cards and possibly other accounts without my permission. He lived with me for a period of time and gained access to my ID, Social Security number, bank cards, phone, and even tax documents. I did not realize the full extent of what was happening until recently. 

Since then, I have seen repeated credit inquiries and new accounts that I did not authorize. Ive tried to dispute them through XXXX XXXX and directly with the credit bureaus, but my disputes keep getting denied. Ive never been able to recover from this, and my credit score has remained extremely low, which has prevented me from rebuilding or accessing basic credit.

I want to note that this same individual also did this to my significant other, who lived with me at the time. She is submitting her own complaint separately, and I hope this pattern of identity theft will be taken seriously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-24 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: OR

Complaint narrative:
Over the past four years, someone named XXXX XXXX used my personal information to apply for credit cards and possibly other accounts without my permission. He lived with me for a period of time and gained access to my ID, Social Security number, bank cards, phone, and even tax documents. I did not realize the full extent of what was happening until recently. 

Since then, I have seen repeated credit inquiries and new accounts that I did not authorize. Ive tried to dispute them through XXXX XXXX and directly with the credit bureaus, but my disputes keep getting denied. Ive never been able to recover from this, and my credit score has remained extremely low, which has prevented me from rebuilding or accessing basic credit.

I want to note that this same individual also did this to my significant other, who lived with me at the time. She is submitting her own complaint separately, and I hope this pattern of identity theft will be taken seriously.

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 2025-03-24 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief