vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution 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 2025-05-12 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:
In XX/XX/XXXX, I applied for the American Express XXXX XXXX with the published welcome offer of XXXX Membership Rewards points for spending {$8000.00} within the first XXXX months. I was approved, the card was issued and activated, and I began using the card as a responsible card member. 

I fully completed the spending requirement and paid the annual fee of {$690.00}. On XX/XX/XXXX, I spoke with an American Express Customer Service XXXX who confirmed that I had successfully met the spending requirement and advised me to simply wait XXXX additional weeks for the bonus points to post. 

Shortly afterward, my account was unexpectedly closed without prior warning. I received a letter citing indicia of misuse as the reason, but no specific explanation or detail was provided. As a result of the closure, I was denied both the welcome bonus and the Membership Rewards points I had earned from regular spending prior to closure. In addition, American Express charged me the full {$690.00} annual fee even though the account had not remained open for a full membership year. 

At no time was I properly informed with the online chat that there were any KYC ( Know Your Customer ) issues or that my account was under review. I was never contacted to provide additional documentation before my account was closed. 

I acted in good faith and met all requirements. I believe this treatment constitutes an unfair business practice. I am seeking reinstatement of my welcome bonus, return of my earned Membership Rewards points, a full refund of the annual fee, and a formal explanation of the account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 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: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT 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 2025-05-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: NV

Complaint narrative:
I originally contacted Sunrise to verify a debt in the amount of {$2400.00} that was appearing on my credit report. For weeks, I was caught between XXXX XXXX XXXX and Sunrise, with both claiming the other owned the debt. I was unable to resolve it due to the confusion. Sunrise eventually told me that as of XX/XX/XXXX, they no longer owned the debt and that a deletion request was sent to all three credit bureaus on XX/XX/XXXX. The account has since been removed from both XXXX XXXX XXXX, but it is still showing on XXXX When I contacted XXXX, they stated they have no record of a deletion request from Sunrise. Sunrise now says they will not provide any documentation or further help. I need this resolved urgently as it is negatively impacting my credit and holding me back financially.

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 2025-05-12 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: TN

Complaint narrative:
Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: TX

Complaint narrative:
Last month, I signed a contract with CarMax Auto Finance to extend my lease by XXXX month, adding an extra month at the end. This means I will not have a payment in XXXX. A CarMax representative informed me. I was coerced into signing this document, so I did. I am now being told that I am late for XXXXXXXX XXXX payment. Before signing this, I had a past-due balance from XXXX, which I paid last month. So, this contract was to ensure there was no payment in XXXX. I have called, but I haven't received an answer. I have been placed on hold and hung up on with no results. I keep being charged fees, and my contract was extended for no reason. This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: DE

Complaint narrative:
My American Express credit card account ( ending in XXXX ) was suddenly closed without warning or a clear explanation. I contacted American Express customer service and spoke with an account XXXX ( XXXX ) who was extremely dismissive and refused to provide any details other than saying, your account was closed according to company policy. I was not informed of any violations or suspicious activity on my account, and I have consistently used the card responsibly. 
I asked for an explanation of the closure. My request was ignored, and the representatives tone was arrogant and unhelpful. I believe this is an unfair and non-transparent business practice that could harm my credit standing. 
I am requesting : A specific reason for the account closure ; Clarification on whether this will be reported to credit bureaus ; An investigation into the conduct of the account XXXX I spoke with. Her ID is " XXXX '' as she provided. 
This lack of transparency and poor treatment is unacceptable. Please help me hold American Express accountable and obtain a fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
This account is fraudulent and was opened without my knowledge, consent, or authorization. I am a victim of identity theft, and I demand that this account be immediately investigated and removed from my credit report.

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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with fraud alerts or security freezes — 
Company: MOHELA
State: SC

Complaint narrative:
I am writing to formally dispute my federal student loans and request a full discharge due to a serious breach of my personal and financial information. My information was compromised without my authorization, which violates multiple federal laws designed to protect student records and personal privacy. Under these circumstances, I request the immediate cancellation and discharge of my student loan debt in full, as my rights have been severely violated. Below are the key reasons for my request ; Violation of the Family Educational Rights and Privacy Act ( FERPA ) ; My student records were disclosed without my consent, violating FERPA 's strict confidentiality protections. 
Breach of the Privacy Act of XXXX  ; My personal and financial information was improperly accessed and shared without my authorization'ating my privacy riahts under federai law. Violation of the Higher Education Act ; As a student loan borrower, my information should have been protected, but the mishandling of my data demonstrates a failure to uphold these legal protections. 
Breach of Contract and Negligence ; The entity responsible for safeguarding my data failed to do so, putting my financial security at risk. And unauthorized disclosure to third parties

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: AZ

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : 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 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
IC Systems is reporting XXXX separate collection accounts on my credit report for debts allegedly owed to XXXX XXXX ( XXXX  ) XXXX for {$260.00} and another for {$250.00}. 

I have not had any XXXX service and do not recognize or owe either of these debts. These accounts are not mine, and I have not been presented with any legally binding documentation proving that I am responsible for them. 

Under FDCPA XXXX ( b ), IC Systems is required to cease collection and validate any debt when challenged. They have failed to furnish a signed service agreement, account-level billing records, or legal documentation proving I incurred or authorized these charges. 

Furthermore, reporting XXXX nearly identical collections without validation appears to be inaccurate and misleading, in violation of FCRA XXXX ( a ) ( XXXX ) ( A ), which prohibits furnishers from reporting unverifiable or duplicative derogatory information. 

Unless IC Systems can provide full legal validation of each alleged debtincluding signed contracts and service detailsboth tradelines must be deleted from all consumer credit reports. Continued reporting without such proof constitutes willful noncompliance with 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 2025-05-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: PA

Complaint narrative:
Delete from my account I did not apply for mohela loans. Tired of student loans transferring to different companies. The company violates the fair credit Act ( FCRA ) 15 U.S.C that mandates a reasonable investigation of dispute. May also contravene the Consumer Financial Protection Act 12 U.S.C

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me. 

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers. 

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 


XXXX XXXX - INACCURATE Direct VIOLATION 15 USC 1666B Billing ERROR XXXX UPDATE ACCT TO PAID AS AGREED- Please remove the late payment history and mark as paid 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 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
On XXXX, I deposited a {$16000.00} check at Huntington Bank from the sale of my personal vehicle. The check was made out to both myself and my father, who had co-signed the original auto loan. We both properly endorsed the check and presented valid identification in person at a Huntington branch, per the banks request.

Huntington placed a hold on the check, which was expected and acceptable. Several days later, on XX/XX/XXXX, the bank sent me an email stating that the hold was released, followed immediately by another stating that my account was overdrawn by the exact amount of the check. When I called, I was falsely told that the check was not endorsed and did not have my name on it at all, despite both names and endorsements being confirmed in person at the branch. 

After another call with a deposit XXXX on XX/XX/year>, it was confirmed that the funds were withdrawn from the issuing bank, meaning Huntington was now in possession of the funds. I was again told about the affidavit and asked to contact the branch where the deposit was made. I did contact the local branch via phone call that same day, but a XXXX was not available on XXXX XXXX XXXX XXXX XXXX, I went into the branch in person, again, a XXXX was not present, so I spoke to the banker who was present. I was again informed of the affidavit and found no viable resolution there. 

I proceeded to again call Huntington and asked to speak to an endorsement hold XXXX who proceeded to repeat that this affidavit needs to be filled out by my father in person and confirmed that this document should have been presented to us during the original visit when the deposit was made. My father already went through the inconvenience of taking time off work and driving over an hour to deposit this check with me. 

This situation is causing continued strain and stress as Huntington has done nothing but deflect blame, and refused to find a solution without causing further inconvenience for their mistake, such as providing a remote notarization option of said affidavit that they asked for after accepting the check deposit. 

I have been misled repeatedly, caused undue stress, lost time, and incurred expenses due to the banks mishandling. The local branch has not taken ownership of their errors or offered a timely solution. I am requesting that regulators review Huntingtons deposit procedures, their compliance with Regulation CC, and their obligation to release cleared funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had XXXX set up for my Bank of America credit card. Somehow it was turned off and I was not alerted. This resulted in a past-due balance and negative marks to my credit. 

XXXX XXXX new email sorter also suppressed the email. 

Once I was alerted, I made the payment in full, however my credit has already been impacted. 

The total past due amount was only XXXX, and I had a good payment history prior to this.

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 2025-05-12 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 have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

Company response to consumer: Closed with non-monetary relief