vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The persistent presence of fraudulent, inaccurate, and misleading information on my consumer report continues to cause me significant distress and has negatively impacted multiple aspects of my life. Despite my repeated efforts to resolve these issues, the unauthorized items remain on my report, creating ongoing stress and anxiety. I want to emphasize that I never consented to or authorized the association of this information with my name, as I have been a victim of identity theft. The continued presence of these items is unacceptable and has caused substantial harm to my financial standing and personal well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-17 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-06-17 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: PA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC

Complaint narrative:
I have a collection from Hevley & Associates that was originally XXXX XXXX in the amount of {$550.00} from a past residence. XXXX XXXX XXXX XXXX XXXX XXXX, paid this debt through the XXXX XXXX XXXX It was paid on XX/XX/year>. I dispute it through TransUnion, but was denied. I called Hevley & Associates to let them know the debt was 100 % satisfied. It has still not been removed from the credit report and deleted from collections. It has been a month. I have proper documentation stating exactly that. That it was paid for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: FL

Complaint narrative:
I have a collections on my credit report that I already paid to XXXX. Why is this on my credit report? I called the company and they mentioned they would keep it on the account even though I don't have a debt with them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am writing to express my concern regarding the abrupt closure of my American Express Business credit card account. I am happy to provide the full card number upon request. At the time of closure, the account had accumulated over XXXX reward points. 

I had contacted American Express customer service to request a transfer of these points. A representative initially agreed to convert the points into cash and issue a debit card. However, the following week, I was notified that the card had been closed due to misuse. This allegation is confusing and unjustified, as I had not used the card for an extended period prior to the request. 

I was not given any explanation about the nature of the alleged misuse, despite repeated attempts to obtain clarification. The decision to close the account without transparency, and to confiscate reward points earned over many years, feels both arbitrary and unfair. 

I respectfully request your assistance in investigating this matter and recovering my reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This collection is reporting on all three bureaus. Also, the information received does not match the information that reflects on my credit report .. Also, this collection shows as opened. When I call Jefferson Capital and provided my social they told me that my account wasnt in their system. It looks like my information. Was sold without my consent to Jefferson. Capital. The above are clear FTC violation of code 15 USC CODE 1681S-2. The information on this debt can not be validated. I disputed this debt and it was removed. At the conclusion of this dispute the debt was removed from my credit profiles. Why is it being added back?

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: SD

Complaint narrative:
Back in XXXX, I applied for a debt consolidation loan through my bank. This loan was suppose to pay off my private XXXX loan. My bank sent a letter with my private account info and XXXX written on the check but the bank sent to wrong servicer as it ended up with the federal account. I have made multiple calls and initially was told that it would be 37 business days to refund and apply to the private. I waited that time and called again asking where the money went. After multiple calls each averaging 1.5 hours to reach anyone, now they claim the initial refund was done incorrectly and now I had to wait additional 90 business days. Ive reached out to Mohela multiple times each time with the service rep sending me to an advanced service rep then transfered to a line for supervisor only to be cut off and told they would call back later. I never received call back. Average wait times are up to 3-4 hours to reach representatives if you can find a prompt that will send you to a real person. It took me 15 minutes of trying different prompts to speak to anyone real. This is over {$15000.00} dollars that Im paying interest on for the loan, paying a large payment for my private loan on top of that interest, and I still dont even know where this money has gone and when/if I will ever receive it. Its been over 10 months since I requested the refund. I need some true. Last time I was given a number to a random phone bank where I had to type a 4 digit code for a rep which I was never given. It was their so call Advocacy center. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

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 2025-06-17 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: IL

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 XXXX 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 explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: ALLIANT CREDIT UNION
State: OH

Complaint narrative:
XXXXOn XXXX XXXX XXXX I purchased a jacket from a clothing store in XXXX. I was quoted 943,111 PYG (~$118.00 USD) but was unexpectedly charged $XXXX USDan unusually high and likely fraudulent markup.XXXXI returned to the store the next day, XXXX XXXX to return the jacket. The staff initially resisted, stating they dont normally do returns and instead offered a 10% discount for foreigners. After insisting on a refund, I successfully returned the item.\n\t\tHowever, they refused to provide a return receipt and claimed the refund would process shortly. As of today, I have not received the refund.\n\t\tInstead, I now see that the $XXXX charge is still active and appears as a posted charge on my account.\n\nThis charge is unauthorized as the product was returned in full and within 24 hours. I am currently in XXXX, and this unexpected charge has compromised my housing situation and essential living expenses.\n\nI am asking Alliant Credit Union to:\n\t\tReverse or refund the disputed $XXXX3 charge.\n\t\tInvestigate the merchant for possible overcharging or fraudulent behavior.\n\t\tConsider my financial situation as a customer currently living abroad and without local legal recourse.\n\nPlease let me know if you need any additional documentation such as travel dates, communication with the store, or a signed written statement. I am fully committed to resolving this.\n\nThis matter is time-sensitive, and I appreciate your swift attention.\n\nSincereXXXX XXXX  Account Number (XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: NY

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: EQUIFAX, INC.
State: DE

Complaint narrative:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report.

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I hold multiple credit cards including Indigo, Destiny and Milestone all of which are serviced by XXXX. I attempted to use my Indigo card for a hotel during a business trip. Though it had available credit, the charge was declined with no explanation. Attempts to reach customer service have been entirely unsuccessful. 

On the Milestone card, I was charged a {$120.00} annual fee on a card with a {$500.00} limit, which I do not agree to. I want this account closed and the fee reversed. I also accidentally enrolled in credit card insurance, and the company has made it impossible to remove their website interface is misleading and non-functional, and I can not reach anyone by phone to cancel. 

In addition, I have now received three credit cards, all serviced by XXXX. I believed they were from different companies, but they are all from the same servicer each with low limits and high annual fees. Instead of increasing my credit line, they gave me new cards to generate more fees. This feels deceptive and predatory. 

Even though I am not behind on any accounts, I receive collection-style messages every time I call, which is both inappropriate and demoralizing. 

I also legally changed my last name from XXXX to XXXX in XX/XX/year>. Despite multiple attempts, I have never been able to reach anyone to have my name updated in their system. XXXX still lists me under my former name, which has caused confusion and reinforces the lack of basic customer service accessibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I have identified fraudulent entries on my credit report that I did not open or authorize. Under XXXX U.S. CXXXX XXXXg, I am demanding the removal of these accounts within 15 days. Attached are documents supporting my claim of identity theft and unauthorized activity.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Dear SEQUIUM CUSTOMER SUPPORT/ XXXX XXXX Reference : XXXX I am writing to formally request that you cease and desist from all further communication and attempts to collect a debt from me. I do not acknowledge any debt you are attempting to collect, and I request that you stop contacting me regarding this matter. According to the Fair Debt Collection Practices Act ( FDCPA ), I have the right to ask that you cease communication, and I am exercising that right. This request includes, but is not limited to, phone calls, letters, emails, or any other form of communication related to this alleged debt. Should you continue to contact me despite this request, I will not hesitate to file a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the state attorney general 's office, and seek legal remedies to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-06-17 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: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX leyes que violentaron 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 15 USC 6802 ( b ). 

( b ) Opt out ( XXXX ) In general Afinancial institutionmay not disclosenonpublic personal informationto anon affiliated third partyunless

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 2025-06-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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