vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I am filing a complaint against American Express regarding the annual fee on my XXXX XXXX card, which was recently closed by Amex without my request or prior notice. The annual fee had been posted shortly before the closure, and although more than XXXX days may have passed since the charge, the closure was initiated by Amexnot meand I had minimal opportunity to make use of the cards benefits. I believe it is only fair to receive a prorated refund of the annual fee based on the short duration the card remained active after the charge. I have contacted Amex customer service multiple times, but they have refused to issue any refund. I am requesting a prorated refund and reserve the right to pursue legal action if this matter is not resolved appropriately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX a sample complaint you can submit to the Consumer Financial Protection Bureau ( CFPB ) regarding Experian : Subject : Inaccurate Personal Information on Credit Report Experian Complaint : I am filing a complaint against Experian for failing to correct inaccurate personal information on my credit report, despite multiple attempts to have it removed. 

Specifically, Experian has continued to report the following incorrect personal information on my credit file : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, PA XXXX This information does not belong to me and is erroneously linked to my credit report. I have submitted disputes to Experian and provided notice that this information is inaccurate. However, Experian has failed to investigate and delete it in compliance with the Fair Credit Reporting Act ( FCRA ). 

I demand that Experian immediately remove this inaccurate name and address from my credit report. I request the CFPBs assistance in ensuring Experian fulfills its legal obligation to maintain accurate credit file data and correct errors in a timely manner.

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 2025-05-08 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 2025-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I received calls in XXXX about a Chase Bank XXXX XXXX that was under my name. However, I have never owned or have done banking with Chase. I asked them to do a fraud check, but they came back and said that I was somehow responsible for the amount owed to the collections. I asked for more information about the statements and requested them. What I found was the card was in use under my name from XXXX through XXXX and it was used in Florida. I do not live in Florida, and I have not visited the state since XXXX. 
This is also the same issue I am having with another collections agency about a XXXX XXXX XXXX that also fell under my name. That was also used in Florida around the same time. 
A Florida address was used and was changed through the duration of the usage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ability Recovery Services, LLC
State: SC

Complaint narrative:
I received a colleciton notificaion on my credit report stating I went to XXXX XXXX XXXX XXXX on XXXX XXXX. I never went to this hospital or any hospital. The debt is for {$1600.00}. I contacted the collection agency Ability Recovery Services to get detailed information. They told me they would remove this collection for {$1.00}. This is not my debt. This is a scam.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 2025-05-08 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 not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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 am writing XXXX  formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts XXXX  have them removed. These accounts are causing significant damage XXXX my financial reputation XXXX  overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason XXXX report them without my explicit consent. Please refer XXXX the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX unfair credit reporting methods undermine the public confidence, which is essential XXXX the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed XXXX  what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

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 2025-05-08 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: TX

Complaint narrative:
I am writing XXXX formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts XXXX have them removed. These accounts are causing significant damage XXXX my financial reputation XXXX overall well-being. It is evident that the inclusion of these fraudulent items violates XXXX XXXX XXXX regarding permissible purposes, as the credit bureaus have no legitimate reason XXXX report them without my explicit consent. Please refer XXXX  the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair XXXX accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, XXXX unfair credit reporting methods undermine the public confidence, which is essential XXXX the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed XXXX what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections :XX/XX/XXXX BALANCE : {$790.00}XX/XX/XXXX BALANCE : {$1900.00}XX/XX/XXXX BALANCE : {$490.00}, XX/XX/XXXXBALANCE : {$12000.00}, XX/XX/XXXX BALANCE : {$14000.00}, I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections 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 2025-05-08 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: IN

Complaint narrative:
I request the removal of these fraudulent accounts from my credit report, as I had no involvement in opening them and was unaware of their existence. Under USC 1681g, I demand their deletion within 15 days. Supporting documents are attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern, I am writing to formally file a complaint against Valley National Bank regarding an ongoing failure to provide timely monthly bank statements, as well as a broader pattern of deteriorating customer service. 

Our business has maintained multiple deposit accounts and property loans with Valley for several years. However, over time, the quality of customer service and responsiveness has sharply declined. One major unresolved issue is our inability to consistently receive monthly paper statementsa basic service that is critical to managing our finances and staying compliant with internal and external reporting requirements. 

Despite repeated and well-documented requests made over the course of more than a year, the bank has failed to correct the issue. Here are just a few examples : XX/XX/XXXX Notified XXXX XXXX, XXXX XXXX, and XXXX XXXX that XXXX and XX/XX/XXXX statements were missing. 
XX/XX/XXXX Informed XXXX XXXX and XXXX XXXX that XX/XX/XXXX statements were not received. 
XX/XX/XXXX Notified XXXX XXXX about missing XX/XX/XXXX statements. 
XX/XX/XXXX Followed up with XXXX XXXX regarding XX/XX/XXXX statements. 
XX/XX/XXXX XXXX both XXXX XXXX and XXXX XXXX regarding XX/XX/XXXX statements. 
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX Multiple follow-ups to XXXXXXXX XXXX  XXXX ( see attachments ). 

These repeated failuresdespite detailed requests, clear documentation, and escalationrepresent a violation of a clients reasonable right to access financial records. The burden should not be on the client to chase down basic documentation month after month. 

I am requesting that the CFPB review Valley National Banks conduct and determine whether it aligns with regulatory requirements for customer service, disclosure, and access to records. I further request assistance in compelling the bank to resolve this issue and ensure proper statement delivery moving forward. 

Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
According to my student data provided on studentaid.gov, I should be in the SAVE plan. Currently, this plan is on hold but borrowers in SAVE should be in administrative forbearance. However, on MOHELA 's end, it shows I am in the " Level '' plan. Last XXXXXXXX XXXX XXXX XXXX I sat on the phone for hours with the DOE to get this rectified. I was told I would be good to go. Now, MOHELA still has me listed as the Levels plan. This has led to a large unpaid balance that is now greatly affecting my XXXX XXXX. 

My main issue is that I have been calling MOHELA relentlessly trying to get help on this and work this issue out. I have called during their " least busy hours '' according to their recordings. I have taken days off work to sit on the phone and wait for support. Today, I have been on the phone for XXXX hours already waiting to speak to a " more senior representative '' as the person I originally spoke with said this needed to be handled by someone above her. 

I do not have days off to keep taking to get this rectified and sit on hold for hours on end. I already work XXXX jobs just to pay these loans, I can not afford to miss work or lose my job because I am trying to get in touch with a company that is basically ruining my credit on a mistake on THEIR end. I have lodged a complaint on MOHELA 's site now, I am also going to be reaching out to the State Attorney General, and the Student Loan Ombudsman. It is extremely disheartening that going to school to become a special education teacher is ruining me financially and I am recieving no guidance or support.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
My credit report shows collection accounts that I believe include inaccurate information. Under my rights as outlined in 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a fully accurate report. I am asking for a review of these entries, and if they can not be confirmed as accurate, they should be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
Given that I had nothing to do in opening these bogus accounts and was ignorant of their existence, I ask that they be deleted from my credit report. I request that they be deleted within 15 days in accordance with USC 1681g. Attached are supporting materials.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. I request that you reinvestigate this matter and correct or remove the inaccurate information.

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 2025-05-08 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: IL

Complaint narrative:
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any information on my credit report that I believe to be inaccurate or incomplete. I request that you reinvestigate this matter and correct or remove the inaccurate information.

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 2025-05-08 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: SC

Complaint narrative:
I reviewed my credit report and noticed several inaccuracies. I sent a letter to TRANSUNION in XXXX to dispute these items. However, it has been more than XXXX  days, and I have not received a response from the credit bureau. This delay is a violation of XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), which requires a response within XXXX  days. 

Under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ), if a consumer disputes the accuracy or completeness of any information in their file, the credit reporting agency must, at no cost, conduct a reasonable investigation, verify the disputed information, and update the file or remove inaccurate items within XXXX  days of receiving the notice of dispute.

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