vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-06 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Amex was running a Balance transfer special in XXXX of 2024 ( Amex everyday card {$7500.00} balance transfer amount 0 % interest for 18 months ) so I called and proceeded with a balance transfer. I transferred {$7500.00} from my Arizona XXXX XXXX Credit card to that Amex account. They verified my account number, my credit card number and my name and started the transfer. They said that it would take about 2-4 weeks for the transfer to take place. About 2 weeks later I had a {$7500.00} balance on my AMEX card as well as a {$7500.00} balance on my Arizona financial card. I called AMEX shortly after I noticed this and opened a case with them to ensure that my funds were getting sent to Arizona financial properly. They opened a case and they just told me to give it a little bit more time. So I did, a few more weeks past, and I still had a balance showing on my Arizona financial card as well as my Amex card. After a few phone calls, I did learn that Amex sent the {$7500.00} intended for Arizona financial to a company called XXXX the associates that is affiliated with XXXX. I learned this about a month and a half after the balance transfer took place. A few months later I finally got Amex to reach out to XXXX, XXXX informed Amex that they can not undo the payment due to it being past 180 day grace period. I called 6 times and opened 3 cases and did a lot of legwork with Amex prior to the 180 day grace period expiration. Amex then informed me that I have to reach out to XXXX to receive the funds that they wrongly sent to them, I called XXXX and since I do not have an account affiliated with XXXX, they will not speak with me. They will not even allow me to speak to a manager. I have called Amex a total of 11 times, I have opened up four cases with Amex, and this issue still has not been resolved. I did the balance transfer to help lower my monthly payments and take advantage of the 0 % interest, for a year now I have been making both card payments which have doubled my outgoing expenses monthly and I am also still paying interest on my Arizona financial card. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: VA

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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:
It has come to my attention my personal information has been exposed in a national data breach. Other reviewing my credit repfrts I notice some accounts I am not familiar with. I have ask the CRA 's for validation of debt, however the information has not been provided Due to my information being exposed, I have submitted a FTC complaint reporting the information I am not familiar with.

Please find attached a copy of my ID, the FTC complaint, a copy of the NPD report showing my information being exposed in a national data breach and a validation of debt letter.

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 2025-04-06 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: SC

Complaint narrative:
I am writing to dispute inaccurate address 's and phone number that I recently found on my credit reports. The credit agencies will not help me as they are tied to accounts that are also not mine. These are fraudulent and I need them removed immediately as they are hurting my ability to obtain credit. INCORRECT address 's are as follows. XXXX XXXX XXXX XXXX, XXXX XXXX, sc, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX, XXXX XXXX XXXX, XXXX, PA, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NY, XXXX Correct address is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX SC, XXXX as I am currently in the process from XXXX XXXXXXXX XXXX XXXX XXXXXXXX FL XXXX XXXX CORRECT phone number is XXXX XXXX XXXX Enclosed are supporting documents, Thank you for your time and attention to this timely matter

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 2025-04-06 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: TX

Complaint narrative:
I filed a dispute on XXXXXXXX XXXX, Acct # : XXXX and XXXX XXXX XXXX Acct # XXXX according to my Experian report. I filed the dispute due to having no knowledge of this account or any account with with this company. Experian denied to follow up with the investigation. I was notified that CFPB filed a lawsuit against Experian. They alleged the company of accepting unreliable information, and failure to notify consumers of dispute results. This aligns with my situation! Experian has not attempted to remove or correct several inaccuracies on my credit report including incorrect variations of my name ( multiple last names that I never had ), a wrong social security number ( there are two listed ), and addresses that dont belong to me. Im requesting these derogatory accounts be removed immediately as it is affecting my ability to obtain housing. Experian is violating my rights as a consumer as well as federal laws. I was also one of many people whose personal information was breached in Experians 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 2025-04-06 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: TX

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, 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 Experian 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 Experian 's inaction violates federal law and my rights as a consumer.

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 2025-04-06 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: IN

Complaint narrative:
Creditor XXXX XXXX XXXX Account Number : XXXX This late payment is inaccurate and should be removed in accordance with the Fair Credit Reporting Act. 
At the time of the payment, I was in a relationship with someone who had access to my personal laptop. After the relationship ended, I discovered that this individual had accessed my account without my permission and intentionally XXXX my autopay settings. They later admitted over the phone that they were the one who made those changes. As a result, the scheduled payment was never processed, and I had no idea it failed until I noticed the late payment reported to the credit bureaus. 
I have since secured my accounts and changed all login credentials to prevent any future unauthorized access. I take my credit seriously and have a history of responsible payments, so this isolated late mark caused by tampering from someone else is not an accurate reflection of my creditworthiness. 
This situation falls under the protections of the Fair Credit Reporting Act, specifically : 15 U.S. Code 1681s2 Furnishers are required to report accurate information and must correct any inaccuracies when notified 15 U.S. Code 1681i Credit reporting agencies must investigate disputed items and delete any unverifiable or inaccurate information within 30 days Because this late payment was caused by unauthorized access and not intentional nonpayment, I am requesting that it be removed from my credit report. If the furnisher can not provide documented evidence that I personally initiated the changes that led to the late payment, it must be deleted as required by law. 
Please notify me of the results of your investigation, and I appreciate your time and cooperation in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I got my loans forgiven under President Biden administration. When the forgiveness was not upheld, My loans were split into multiple accounts and all reported late on my credit report, causing my scores to drop, affecting my eligibility as a first time Homeowner.

I had a forbearance request open in the middle of this, and it was deleted, and I was not guven an explanation as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Possible Financial Inc
State: NV

Complaint narrative:
Applied for a {$500.00} loan from Possible and linked my bank account. They came back with an approval for {$110.00}. I mistakenly clicked accept but decided sure, its fine. I tried to add the debit card attached to that checking account they used to approve me and their system wouldn't allow my debit card, clearly their system is broken. I tried two more valid debit cards attached to checking accounts ; also not approved. 

I elected ACH and it took 4 days to arrive. I read my contract and realized that I can cancel the loan if I do so by the end of business the next bus day that my loan is processed. I did so and emailed them per the contract to cancel. They replied contractually and said they would attempt the {$110.00} from my account which was fine. That transaction came through and cleared no problem. THEN! I received 3 notifications that Possible reported me for an active PAYDAY LOAN to my XXXX. This loan was not taken therefore there should be no credit reporting. 

I notified Possible twice in the past 7 days and I have received XXXX RESPONSE from the company. Currently as of this moment the company has reported to my XXXX that I have an active {$110.00} payday loan which is 100 % false. This was canceled before the funds even arrived. 

Clearly this is a poorly funded startup and they do not have safeguards or RPs to handle people who exercise their rights under the VERY CONTRACT THE PROVIDE. 

As of this very moment I am suffering financial harm from the company 's inability to not only respond to emails ; but also to safeguard consumers who exercise their rights under their contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 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: LA

Complaint narrative:
This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts that were opened or made without my consent. The following accounts are fraudulent and need to be removed from my credit report. 

XXXXXXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$22000.00} Account number XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX With a balance of {$0.00} Account number XXXX XXXXXXXX XXXX - Opened XX/XX/XXXX With a balance of {$2100.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$1600.00} Account number XXXX XXXX XXXX - Opened XX/XX/XXXX With a balance of {$220.00} Account number XXXXXXXX XXXX XXXX  - Opened XX/XX/XXXX With a balance of {$22000.00} Account number : XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud

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 2025-04-06 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Inquiries that include : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Collection accounts that are not mines nor did I create these XXXX XXXX XXXX  {$430.00} BAL ACCOUNT # XXXX XXXX XXXXXXXX : {$1900.00} XXXX ACCOUNT # XXXX XXXXXXXX XXXX INACCURATE LATE PAYMENTS Account number XXXX SBNASELFLNDR INACCURATE LATE PAYMENTS ACCOUNT # XXXX XXXXXXXX XXXX XXXXNNACURATE LATE PAYMENTS ACCOUNT NUMBER : XXXX {$400.00} Multiple incorrect names and address. 
Please remove 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 explanation
Consumer complaint received 2025-04-06 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: FL

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. Inquiries that include : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also Collection accounts that are not mines nor did I create these XXXX XXXX XXXX  {$430.00} BAL ACCOUNT # XXXX XXXX XXXXXXXX : {$1900.00} XXXX ACCOUNT # XXXX XXXXXXXX XXXX INACCURATE LATE PAYMENTS Account number XXXX SBNASELFLNDR INACCURATE LATE PAYMENTS ACCOUNT # XXXX XXXXXXXX XXXX XXXXNNACURATE LATE PAYMENTS ACCOUNT NUMBER : XXXX {$400.00} Multiple incorrect names and address. 
Please remove immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-06 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: ProCollect, Inc.
State: GA

Complaint narrative:
FINAL NOTICE TO PROCOLLECT INC. FRAUDULENT ACCOUNT | NO CONTRACT | NO AUTHORIZATION | 24-HOUR

DEMAND FOR PERMANENT DELETION To ProCollect Inc. , This letter serves as your final legal notice and demand for the immediate and permanent deletion of a fraudulent account you are reporting under my name. I have never done business with your company, have never signed a lease or contract with you or any associated property, and have never resided at the location tied to this alleged debt.

The account you are reporting is unauthorized, unverified, and entirely fraudulent. You have no legal grounds to continue reporting this account, and doing so constitutes multiple violations of federal and state law.

Fraudulent Account Details : ProCollect Inc. Alleged Rental Balance : {$7900.00} I did not reside at the reported property I never signed a lease or any binding agreement I never authorized this debt, and I dispute its validity in full You Are Now in Violation of the Following Laws : FCRA 623 ( a ) ( 1 ) ( A ) : It is unlawful to report information you knowor should knowto be false.

FCRA 611 ( a ) : You must delete any information that can not be verified. 
FDCPA 807 : Misrepresentation of the character, amount, or legal status of a debt is illegal.


FDCPA 808 : Attempting to collect any debt not authorized by contract is a violation.

Texas Business & Commerce Code 20.06 : You are liable for reporting false credit information under state law. 

Furthermore, I contacted the XXXX XXXX XXXX XXXX directly and was informed that they never gave permission for any eviction data to be reported to credit bureaus or tenant screening services. You are unlawfully using court-related data to support a claim you have no right to report.

24-HOUR DEMAND FOR ACTION You have 24 hours from the date of this notice to : 1. Permanently delete the above-listed account from all consumer reporting agencies 2. Cease all current and future collection or reporting activity 3. Confirm in writing that the account will not be reinserted or reassigned 4. Send written confirmation to : XXXX If you fail to comply, I will immediately proceed with the following actions : File a Small Claims lawsuit for {$12000.00} in damages Report your violations to the Attorney General, and applicable regulatory bodies Pursue full legal recourse under the FCRA, FDCPA, and consumer protection statutes This is your final warning and official legal notice.

You are now fully liable for damages.

Comply within 24 hours or face immediate legal consequences. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-06 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: MD

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, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have multiple XXXX XXXX  violations that was wrongfully accrued When I reached outtheyd reply theres nothing they can do or try to put me on a monthly plan If my tag was a {$1.00} short to a toll.i would get charged..making my balance negative plus I would receive a violation in the mail Due to not paying the violation it keeps adding late fees XXXX XXXX XXXX send me to collection Agency without notifying me or without my Permission

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 2025-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Alorica Inc.
State: OH

Complaint narrative:
I believe Service and Systems Technologies ( SST ), located in XXXX XXXX, Missouri, violates the FDCPA. This company claims it has the right to collect debt on behalf of another company, XXXX, from which I had a loan, though I did not agree to this transfer. I requested debt validation via a certified letter and told them not to contact me during this period nor report negatively on my credit until they could validate the debt. However, they continued to contact me throughout the entire time. 

They mailed back a response to my request for debt validation by sending me their account transaction history and a " table of charges and fees '' from the previous loan company. They did not provide a contract agreement showing the purchase of the debt.

SST calls from multiple XXXX area code numbers, sometimes four or more times per day, and exceeds the seven times per week limit that creditors are allowed to contact someone by telephone. They are violating the FDCPA and have many other reviews on their XXXX page stating the same thing.

Company response to consumer: Closed with explanation