vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Please accept this complaint as the dispute on the accounts that appeared due to fraudulent actions. I hope for your immediate action, as these items affect my life. I have been disputing these accounts with you for a decent amount of time and so far you are still reporting them which are violations of my rights as a consumer, so I had to submit this complaint on your company. Under the FCRA 605b, each fraudulent item should be deleted/ blocked immediately. The following items opened/used by a different person or group of the people, I never used and authorized them : Account Name : XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : XX/XX/XXXX Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Open Date : 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 2025-08-27 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: NH

Complaint narrative:
I want to be absolutely clear that this complaint is not a mistake. My credit report contains serious inaccuracies that are far from being fully accurate. These errors are weighing heavily on me and continue to cause significant harm. This situation is unacceptable and must be addressed immediately.

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 2025-08-27 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Maximus Federal Services, Inc.
State: OH

Complaint narrative:
In XXXX, I attended the XXXX XXXX XXXX XXXX XXXX XXXX using federal student loans to pay for the program. I have made consistent, on-time payments for over XXXX  years. In XXXX, my loans were transferred to XXXX, and that is when serious problems began. 

Although I was on automatic payments, XXXX reported that I was not making payments. They marked my account as being in forbearance without my consent, and then later removed the forbearance notation but backdated my account to show missed payments that never occurred. This has created false derogatory marks on my credit reports with XXXX, XXXX, and XXXX. 

These errors have significantly lowered my credit score. I have been denied even basic credit cards, and my financial stability has been damaged. I have documentation showing that payments were made properly and on time, yet XXXX reporting reflects the opposite. 

I am also pursuing XXXX XXXX to Repayment for these loans due to misrepresentations by my school, but regardless of that applications outcome, XXXX mishandling of my account and inaccurate credit reporting has caused harm that must be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( 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 XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) 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 2025-08-27 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XX/XX/year>, I urgently needed to visit my XXXX mother in XXXX XXXX. After finding no earlier flights through XXXX or other airlines, I called what I believed to be XXXX. 
Desperate, I purchased a ticket over the phone using my XXXX XXXX XXXX XXXX card. I later learned I had actually spoken with a company called XXXX, who sold me a XXXX XXXX for {$1400.00} nearly XXXX times its actual price of {$580.00}. XXXX never identified themselves, failed to send proper documentation, and included a hidden fee of {$820.00}. 
Immediately after purchase, my mother passed away. I tried to cancel and request a refund but was hung up on by XXXX, thinking it was XXXX Id called. I contacted XXXX to dispute the charge. Despite the circumstances and the deceptive nature of the transaction, after a long period of time, XXXX sided with XXXX, based on documents I was never allowed to see until the case was shut iron-clad. XXXX falsely claimed I requested a XXXX ticket, which XXXX confirmed was untrue. XXXX XXXX acknowledged this was a scam, advised reporting XXXX to the FBI, and stated these incidents are unfortunately common. 
I am requesting a fair reconsideration of this case based on the facts and documented misrepresentations by XXXX. 
XXXX, who didn't even sell me the ticket, honored my story, believed me, and refunded me for my ticket cost. XXXX pocketed MY money for their crime. WHY are they rewarded?? 
MY REPORT : I HAVE A XXXX PAGE REPORT. IT CONTAINS THE INVESTIGATION CHASE DID NOT DO. CHASE WAS NEGLIGENT. ORB IS A CRIMINAL GROUP.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
Summary of Complaint : A third-party debt collector is reporting a debt that I never agreed to and for which I have no contract. I have never entered into any agreement with this company, and they have failed to provide proper validation as required by law. 

Details : This company is attempting to collect and report a debt that does not belong to them. Under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692g ), I have the right to request validation of the debt. They are required to provide proof of ownership and the original creditor. To date, they have not provided this validation. 

Because I never signed a contract or agreement with this collector, they have no legal standing to claim I owe them. Continuing to report or collect on this alleged debt without validation is a violation of : 15 U.S.C. 1692g ( failure to validate a debt ), 15 U.S.C. 1692e ( false representation of the legal status of a debt ), and 15 U.S.C. 1692f ( unfair and unconscionable practices ). 

Harm : This inaccurate reporting is damaging my credit, limiting my ability to obtain fair financing, and misrepresenting my financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Debt Management Incorporated
State: IL

Complaint narrative:
I would get harassing phone calls and voice messages stating I owe cash web loan and if I dont pay I will get sued. I asked for correspondence to prove my indebtedness. Im told I previously received, person holler and screams at me calling me liar, and other obscenities then Im threatened with a lawsuit. Now a supposed collection agency is callling capital recovery requests to payout. I asked for mailing address, contact info on this company. I was yelled at, called a liar, info refused told me I will receive a statement from creditor and I can report nothing on them.

Company response to consumer: Untimely response
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: MI

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am filing this complaint against TransUnion for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). On XX/XX/year>, I mailed a formal dispute letter to TransUnion, enclosing copies of my photo ID, Social Security card, and a recent bill with my current address to verify my identity. In my letter, I explicitly requested detailed information regarding TransUnions reinvestigation process, including : - The method used to verify the disputed item - The date TransUnion contacted the creditor or data furnisher - The name and contact information of the creditor/furnisher - The name of the individual who conducted the verification - The communication method used ( e.g., phone, email, mail ) - Confirmation on whether any personally identifiable information ( such as my SSN, address, or date of birth ) was exchanged during the verification. 

Instead of honoring my lawful dispute, TransUnion sent me a letter dated XX/XX/year>, claiming : " We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 
This response is inaccurate and unacceptable. I personally sent the dispute and provided all necessary identity documents. By refusing to recognize a valid consumer dispute and declining to conduct a reinvestigation, TransUnion has deliberately disregarded its obligations under Section 611 of the FCRA. 
As a result, inaccurate information remains on my credit file, causing ongoing harm to my creditworthiness, financial opportunities, and peace of mind. TransUnions refusal to comply not only violates my consumer rights but also demonstrates a willful disregard for federal law, exposing them to liability under the FCRA. 
I have attached a copy of my original dispute letter and TransUnions response to support this complaint.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
TRANS UNION, EXPERIAN AND EQUIFAX CIAIMED TO HAVE BEEN FURNISHED BY THE BANKRUPTCY COURT OF OHIO I WHOULD KIE FOR THEM TO LET ME KNOW HOW THEY GOT THIS INFORMATION OUT SIDE A THIRD PARTY WITH MY SOCIAL SERCURITY NUMBERTHIS IS A VIOLATION TO ME

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
TRANS UNION, EXPERIAN AND EQUIFAX CIAIMED TO HAVE BEEN FURNISHED BY THE BANKRUPTCY COURT OF OHIO I WHOULD KIE FOR THEM TO LET ME KNOW HOW THEY GOT THIS INFORMATION OUT SIDE A THIRD PARTY WITH MY SOCIAL SERCURITY NUMBERTHIS IS A VIOLATION TO ME

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I have an auto loan with Ally for a XXXX XXXX XXXX ( XXXX : XXXX ). My loan originated on XX/XX/XXXX, with a XXXX term and an APR of 13.29 %. 

As of XX/XX/XXXX, I have made 93 % of payments, with only XXXX payments remaining on an original balance of {$26000.00}. I have paid {$24000.00} so far, and my current outstanding balance is {$1900.00}. 

Over the course of this loan, I have accumulated over {$1300.00} in late fees. During the COVID-19 pandemic, Ally representatives told me that I would be able to negotiate or settle these fees toward the end of my loan. Based on this assurance, I continued making my monthly payments of {$530.00} due on the XXXX of each month in good faith, expecting the fees to be fairly addressed when the loan neared completion. 

Now that I am at the end of the loan ( with 93 % paid and XXXX payments remaining ), Ally is refusing to honor that agreement. They are only offering a token {$100.00} waiver, despite the fact that more than {$1300.00} in fees were accumulated. 

I have made at least XXXX documented calls to resolve this issue : On my most recent call ( [ insert date ] ), I spoke with XXXX, employee ID XXXX. 
This was the fourth representative I spoke with, and still I was forced into the same process : submitting a waiver request. 
Every waiver request has been denied without explanation. 
Ally does not provide written notice of these denials. I must call back just to learn the outcome, which is a burdensome and unfair process. 

This situation constitutes an unfair and deceptive practice : XXXX. Misrepresentation : Allys promise during COVID to negotiate fees at loan completion has not been honored. 
XXXX. Lack of transparency : Denials are hidden behind repeated calls with no written communication or ability to escalate. 
XXXX. Excessive fees : {$1300.00} in fees, with no ability to settle proactively, is unreasonable given the high APR and faithful payments made. 

Requested Resolution : I am requesting that Ally waive or meaningfully reduce the {$1300.00} in late fees. A token {$100.00} waiver is inadequate. Ally should honor the representations made during COVID and resolve this matter fairly as my loan nears completion. 

Evidence Attached : Screenshot of Ally Auto app dashboard showing account details, balance paid, payments remaining, and loan terms. 
Record of calls with representatives, including most recent with XXXX ( ID XXXX ).

Company response to consumer: Closed with explanation