vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: ADP Inc.
State: DC

Complaint narrative:
ADP has yet to isssue my check for {$160.00} from my closed XXXX ( k ) They said they sent it, but I never got it. This has happened twice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: SC

Complaint narrative:
I am sending this complaint to formally dispute multiple inaccurate, unverifiable, and potentially fraudulent items currently appearing on my credit report. These items have negatively affected my credit profile and may be the result of reporting errors, identity theft, or unauthorized activity. Under FCRA 605B, I am requesting a full reinvestigation of each disputed item and that the necessary actionswhether blocking, or permanent deletionbe taken in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and other applicable consumer protection lawsXXXX XXXXXXXX Balance {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$1600.00} Date XXXX Date XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date XXXX Date XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX  Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX Date XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$510.00} Date Opened : XX/XX/XXXX Date XXXX CASH XXXX XXXX XXXX Balance {$830.00} Date Opened : XX/XX/XXXX Date XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/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 2025-11-17 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: SC

Complaint narrative:
I am sending this complaint to formally dispute multiple inaccurate, unverifiable, and potentially fraudulent items currently appearing on my credit report. These items have negatively affected my credit profile and may be the result of reporting errors, identity theft, or unauthorized activity. Under FCRA 605B, I am requesting a full reinvestigation of each disputed item and that the necessary actionswhether blocking, or permanent deletionbe taken in accordance with the Fair Credit Reporting Act ( FCRA ), Fair Credit Billing Act ( FCBA ), and other applicable consumer protection lawsXXXX XXXXXXXX Balance {$560.00} XXXX XXXX  XXXX {$0.00} XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance {$1600.00} Date XXXX Date XXXX XXXX Balance {$0.00} Date Opened : XX/XX/XXXX Date XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$0.00} Date XXXX Date XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX  Balance Owed : {$2000.00} Date Opened : XX/XX/XXXX Date XXXX XXXX XXXX XXXXXXXX Original Creditor XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$510.00} Date Opened : XX/XX/XXXX Date XXXX CASH XXXX XXXX XXXX Balance {$830.00} Date Opened : XX/XX/XXXX Date XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: EdFinancial Services
State: CA

Complaint narrative:
I am currently attending community college courses at 3 diffrent colleges. I am in school. I provided this information. I also provided infomrtioon confirming I am on goverenment assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Atlanticus Services Corporation
State: PA

Complaint narrative:
XXXX is reporting an Aspire account with inconsistent, inaccurate, or unverifiable data : Incorrect dates Inaccurate balance Missing payment history Possible duplicate reporting This does not match any account I opened. 
The company failed to validate identity before opening or reporting the account. 

This violates : FCRA 602, 607 ( b ), 611, 623 Identity Theft Prevention Act rules FACTA Red Flags Rule

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: Self Financial Inc.
State: NJ

Complaint narrative:
I am a victim of identity theft on XX/XX/XXXX i sent this furnisher a complete identity theft package under FCRA 623 including my ftc identity theft report government id proof of address and a highlighted credit report showing the fraudulent account they are reporting This furnisher is in violation of FCRA 623 because they failed to delete the fraudulent account and continued to furnish inaccurate information to the credit report agencies they either ignored my request or verified the account without providing any proof that i opened or authorized it.

under FCRA 623 furnishers must investigate and remove fraudulent information cease reporting to CRAS and notify each CRA to remove it XXXX acct ending in XXXX reported balance {$3800.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX XXXXXXXX acct ending in XXXX reported balance {$820.00} status : [ Collection/Charge-off/Late pays ] XXXX acct ending in XXXX reported balance {$3300.00} status : LATE PAYMENT * * * * Verify Account - 15 U.S. Code 1666 ( b ) Billing Error : I recently reviewed my credit report and noticed late payments listed from your company. The payment history for this account is inaccurately reported. Please update the status to paid as agreed on my credit report XXXX XXXX acct ending in XXXX reported balance {$0.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX acct ending XXXX reported balance {$1300.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX XXXX  acct ending in XXXX reported balance {$710.00} status : [ Collection/Charge-off/Late pays ] XXXX XXXX acct ending in XXXX reported balance {$440.00} status : [ Collection/Charge-off/Late pays ]

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 filing this complaint against [ XXXX XXXX ] for multiple violations of federal credit laws, tax laws, and privacy regulations in connection with the improper reporting, handling, and continued furnishing of a charged-off account, including illegal reporting after the debt was transferred/sold and failure to comply with IRS regulations regarding cancellation-of-debt income. 

Below is a complete summary of the violations for your investigation. 
Illegal Reporting of a Charged-Off Debt After Sale/Transfer The creditor continues to report a charged-off balance even though the debt was sold/transferred to a third-party. A creditor who no longer owns a debt can not legally : Update or re-age the account Report a balance Report monthly delinquencies Modify the account status Laws Violated FCRA 602 Accuracy requirement FCRA 607 ( b ) Duty to assure accuracy FDCPA 807 ( 2 ) ( A ) False representation of ownership UCC 3-203 Transfer removes creditor ownership rights Continued Reporting of a Debt They Do Not Own The creditor is furnishing data to ExperianXXXX XXXX XXXX XXXX as if they still legally own the account. 
This is misleading, inaccurate, and unlawful. 
Laws Violated FCRA 607 ( b ) Accuracy FCRA 611 Unverifiable information must be deleted FDCPA 807 ( 2 ) ( A ) Misrepresentation of legal status

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 2025-11-17 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: FL

Complaint narrative:
I am filing this complaint against [ XXXX XXXX ] for multiple violations of federal credit laws, tax laws, and privacy regulations in connection with the improper reporting, handling, and continued furnishing of a charged-off account, including illegal reporting after the debt was transferred/sold and failure to comply with IRS regulations regarding cancellation-of-debt income. 

Below is a complete summary of the violations for your investigation. 
Illegal Reporting of a Charged-Off Debt After Sale/Transfer The creditor continues to report a charged-off balance even though the debt was sold/transferred to a third-party. A creditor who no longer owns a debt can not legally : Update or re-age the account Report a balance Report monthly delinquencies Modify the account status Laws Violated FCRA 602 Accuracy requirement FCRA 607 ( b ) Duty to assure accuracy FDCPA 807 ( 2 ) ( A ) False representation of ownership UCC 3-203 Transfer removes creditor ownership rights Continued Reporting of a Debt They Do Not Own The creditor is furnishing data to XXXX, XXXX, and TransUnion as if they still legally own the account.

This is misleading, inaccurate, and unlawful.

Laws Violated FCRA 607 ( b ) Accuracy FCRA 611 Unverifiable information must be deleted FDCPA 807 ( 2 ) ( A ) Misrepresentation of legal status

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 2025-11-16 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX FL XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX PA XXXX Re : Request for Validation of Alleged Debt / Dispute of Collection Account To Whom It May Concern : I am contacting you regarding the collection account you have listed under my name. This letter serves as a formal dispute of the alleged debt and a request for full validation, pursuant to my rights under federal law.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), I am requesting that you provide the following : Additionally, reporting an unverified or inaccurate debt to any credit reporting agency violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. Until this alleged debt is properly validated, you must : Cease all collection activity, as required under 15 U.S.C. 1692g ( b ).

Cease reporting the account to any credit bureau, or if it has already been reported, mark it as in dispute as required by 15 U.S.C. 1681s-2 ( a ) ( 3 ).

Please note that failure to comply with federal law may result in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state 's Attorney Generals Office.

You are further notified that all future communication must be made in writing only.

I request your full compliance within 30 days of receiving this letter. If you can not provide proper validation, you must immediately delete this account from all credit reporting agencies and cease any further collection efforts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you for your prompt attention to this matter. 
Sincerely, 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 2025-11-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I attempted to pay this with XXXX XXXX XXXX. They did not run my insurance correctly. They passed this off to another debt collector, after it was closed and sent back by the other debt collector. The hospital didn't do what they needed to do and use my insurance. The hospital got my sons name wrong and did not fix it after multiple calls. I even called them with an insurance agent on the line.

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 2025-11-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Chime Financial Inc
State: NY

Complaint narrative:
Our cashier was scammed loade chime cards on the phone we provided chime with these card numbers? Have requested chime to provide this information as to who the account belongs too or where the card was used, which shoujj look d be easy for the as a social security or identity verification are required by chimes, so we can provide the information to Law Enforcement and retrieve the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

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 2025-11-17 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: GA

Complaint narrative:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Experian and TransUnion are continuing to report an unverified bankruptcy even though the original source of that information, XXXX, has already removed it from their records. Both Experian and TransUnion use XXXX as their primary third-party source for bankruptcy matching and verification. Since XXXX deleted this unverified bankruptcy from their system, Experian and TransUnion no longer have a valid source to continue reporting it. 

Because Experian and TransUnion refuse to remove the unverified bankruptcy, I have been repeatedly denied for housing, transportation, and credit. These denials were based entirely on inaccurate information that should have already been removed once XXXX corrected their files. 

As a result of these wrongful denials, multiple hard inquiries were placed on my credit report. These inquiries only occurred because Experian and TransUnion continued reporting the unverified bankruptcy that no longer exists in XXXX records. Therefore, these hard inquiries should be removed because they are a direct result of Experian and XXXX failure to correct inaccurate information. 

This inaccurate reporting is preventing me from obtaining stable housing and reliable transportation, and it violates my FCRA rights to accurate, complete, and updated credit 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
Consumer complaint received 2025-11-16 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: NV

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX INQUIRIES : XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-16 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: FL

Complaint narrative:
I was advised by an American Express representative that my annual membership fees would be reimbursed to me since I do have military orders of XXXX days. I have applied 3 times on different occasions within 180 days of completed orders to have my membership fees reimbursed. The last time I applied again for an account review with SCRA the representative specified that it was for the reimbursement of the annual membership fees. The reference number for that case is XXXX. Previously, I have received a letter of approval for SCRA from American Express XXXX Credit Card however they refuse to reimburse me my annual membership fees of {$690.00} billed in XXXX which is the same month my military service orders took place. On their website https : //www.americanexpress.com/us/help-support/service-members-civil-relief/ it clearly states " Relief Provided by SCRA : The SCRA limits the rate of interest that may be assessed on eligible loans and credit products to no more than 6 %. Interest for SCRA purposes includes fees such as annual membership fees, late fees, and returned payment fees. " I feel like my rights as a service member has been violated. Others in service that work with me have their annual membership fees waived. Why am I being treated differently? Is it because I disclosed I am female and XXXX? I would have never applied to the American Express XXXX credit card if I had known that I was going to suffer financially as a service member. I called to follow up with American Express on several different occasions with no positive resolution in sight. The annual membership fee is renewing this month and I need to resolve this matter as soon as possible please. I can not pay the new increased annual membership fee of {$890.00}. If necessary, I will be exploring what other legal recourse I can take.

Company response to consumer: Closed with explanation