vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX for continuing to report a charged-off account that has been sold to another lender and is now past the statute of limitations for collection and reporting in my state ( South Carolina ) . 

The account reflects : {$0.00} balance Status : Charge-off and Purchased by another lender Despite this, XXXX XXXX is still reporting the account negatively to all three credit bureaus, damaging my credit and misleading future lenders. 

This action violates the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( a ) ( 1 ) ( A ) : Providing inaccurate/incomplete info FCRA 607 ( b ) : Failure to assure accuracy FCRA 605 ( a ) : Continued reporting of obsolete info beyond 7 years

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to formally dispute the accuracy of an account listed on my TransUnion credit report. I believe the information related to this account may be inaccurate, particularly the reporting of a late payment, and I request a full reinvestigation. 
Disputed Account : XXXX & XXXX BANK Account Number : XXXX Date Opened : XX/XX/year> Balance : {$160000.00} Reason for Dispute : The late payment reported on this account occurred during a period of financial hardship due to a XXXX XXXX XXXX This unforeseen circumstance impacted my ability to meet the payment deadline. 
Once my situation stabilized, I resumed regular payments and have since maintained a consistent payment history. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request a thorough reinvestigation of this account. If the reported information can not be verified with complete documentation from the original creditor, it must be corrected or removed. Furthermore, under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ), continued reporting of inaccurate or unverifiable information is not permissible.

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 2025-05-19 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: PA

Complaint narrative:
I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies on my credit report remain unresolved. This prolonged issue has led to ongoing financial strain and has severely impacted my well-being. The process of addressing these errors has been both frustrating and mentally exhausting. 

According to the Fair Credit Reporting Act ( FCRA ), I am entitled to a credit report that accurately reflects my financial history, including the timely correction or removal of any outdated or incorrect information. I am urging you to take immediate action to either update or delete the reported late payment entries. Continued failure to act would be a direct violation of my rights under federal law. 

I appreciate your prompt attention to this matter and expect a timely resolution.

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 2025-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Betterment LLC
State: MO

Complaint narrative:
My original debit card from when I opened my Betterment checking account was set to expire on XX/XX/year>. 

XXXX of Events : XX/XX/year> : I accessed the Betterment app and saw I should have received a new debit card around XX/XX/year>. As I had not received it, I updated my address online and used the AI chat assistant to request that a new card be resent to my updated address. 

XX/XX/year> : I received an email from " XXXX '' stating that the debit card I was actively using had been deactivated per my request. At no point did I request deactivation. Shortly after, my debit card stopped working. 
I immediately followed up, clarifying that there had been a mistake and requesting urgent correction. 

Later the same day, I received a generic form response from " XXXX '' that did not address the actual problem. This suggests that support staff are either not reading messages carefully or relying on automated systems. 

XX/XX/year> : I replied again, explicitly quoting previous messages and stating my card had been deactivated without my consent. 

XX/XX/year> : I received a response from " XXXX '' ( signed by " XXXX '' ) stating there was no problem with my card and asking why I thought there was an issue. 

XX/XX/year> : I explained all transactions were being declined, yet again. " XXXX '' ( signed by " XXXX '' ) responded by asking about the amounts I was trying to withdraw, as if I was facing a limit. I clarified, again, that the card was deactivated. 
I replied with photos of ATM receipts showing multiple declined transactions for both deposits and withdrawals, proving the card was unusable. 

" XXXX '' ( signed by " XXXX '' ) responded that the developers would be contacted. 

XX/XX/year> : " XXXX '' ( signed by " XXXX '' ) confirmed both my active card and the replacement card were locked and unusable. They stated a new card would need to be created, with no explanation as to how or why this occurred following a simple AI chatbot request. 

XX/XX/year> : I explicitly stated twice that all my accounts with Betterment should be closed. I had already withdrawn all funds. 
I received a response asking which accounts to close, despite my clear instructions. I reiterated : all accounts. 

XX/XX/year> : I was told that everything had been closed except my checking account, which I would need to close myself via the web application, despite my written request to close all accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: PA

Complaint narrative:
I have been a loyal American Express customer since XXXX, with a long track record of responsible credit usage and on-time payments. My oldest card was the XXXX XXXX XXXX XXXX XXXX XXXX Card, which was later converted into the XXXX XXXX XXXX when XXXX was discontinued. I truly valued this legacy card, which is no longer available to new applicants. 

Recently, I opened two additional American Express cards : the Amex Gold Card and the Delta SkyMiles Gold Card. The Delta Gold was applied on XX/XX/XXXX during the booking of a XXXX XXXX XXXX XXXX  with my Mom. 

The Amex Gold was applied on XX/XX/XXXX, primarily for real, planned travel expenses. Specifically, I used the Amex Gold Card to purchase XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These were essential, legitimate expenses. 

During my mom 's stay, I used my new American Express cards for everyday spending, including hotels, dining, local travel, shopping, and related costs. All my spending was real, verifiable, and consistent with the purpose of the cards. 

I can provide receipts for all the flight tickets, XXXXXXXX XXXX, car rental, and ticket purchases, etc. As American Express can see, most of the purchases are travel-related, or in XXXX XXXX XXXX XXXX I traveled there. 

Despite my long and positive relationship with American Express, I was shocked to discover that all four of my Amex credit cards were suddenly closed without warning. This included my : Amex Gold Card Delta SkyMiles Gold Card XXXXXXXX XXXX XXXX XXXX XXXX XXXX opened in XXXX ) XXXX XXXX XXXX XXXX  ( opened in XXXX ) When I called customer service, I was told the decision was final and that the accounts were closed due to a violation of company policy and possible misuse. I was given no specific explanation, no evidence of wrongdoing, and no opportunity to appeal the decision. 

I truly believe this is unfair to me. 

I have credit scores over XXXX. I have never missed a payment, have never manufactured spending, and all my charges can be supported with proper documentation. I believe this may have been the result of an automated risk algorithm misjudging my travel-related spending and new card activity, rather than any actual policy violation. 

This decision is not only harmful to my credit and financial planning, but deeply disappointing coming from a company I have trusted for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I applied for the income driven payment plan over 2 years ago and have not had my payments lowered or this repayment plan reviewed/ approved. My due date is now XX/XX/year> due to deferment, but my interest is still accruing too quickly to keep up with it with no monthly payment due. I do not make enough money to keep up with these monthly payments and interest rates

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to dispute the accuracy of an account listed on my TransUnion credit report. I believe the information regarding this account may be inaccurate or unverifiable, and I request a full reinvestigation. 

Disputed Account : XXXX XXXX  XXXX Account Number : XXXX Date Opened : XX/XX/year> Balance : {$2600.00} Reason for Dispute : The late payment associated with this account occurred during a period of financial hardship caused by an XXXX XXXX XXXX. This event temporarily affected my ability to make timely payments. Once the situation was resolved, I resumed payments and have remained in good standing. 

In accordance with the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), I request that you investigate this account. If it can not be verified with complete and accurate documentation from the original creditor, it must be corrected or removed from my credit report. The Fair Debt Collection Practices Act ( 15 U.S. Code 1692e ) also prohibits the reporting of any false or misleading 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 non-monetary relief
Consumer complaint received 2025-05-19 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I am filing this complaint regarding an inaccurate item on my credit report that continues to impact my credit negatively. 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 on my true credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX for continuing to report a charged-off account that has been sold to another lender and is now past the statute of limitations for collection and reporting in my state ( South Carolina ) . 

The account reflects : {$0.00} balance Status : Charge-off and Purchased by another lender Despite this, XXXX XXXX is still reporting the account negatively to all three credit bureaus, damaging my credit and misleading future lenders. 

This action violates the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( a ) ( 1 ) ( A ) : Providing inaccurate/incomplete info FCRA 607 ( b ) : Failure to assure accuracy FCRA 605 ( a ) : Continued reporting of obsolete info beyond 7 years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am filing a complaint against XXXX XXXX for continuing to report a charged-off account that has been sold to another lender and is now past the statute of limitations for collection and reporting in my state ( South Carolina ) . 

The account reflects : {$0.00} balance Status : Charge-off and Purchased by another lender Despite this, XXXX XXXX is still reporting the account negatively to all three credit bureaus, damaging my credit and misleading future lenders. 

This action violates the Fair Credit Reporting Act ( FCRA ) : FCRA 623 ( a ) ( 1 ) ( A ) : Providing inaccurate/incomplete info FCRA 607 ( b ) : Failure to assure accuracy FCRA 605 ( a ) : Continued reporting of obsolete info beyond 7 years

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 2025-05-19 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: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I do not recognize and believe to be fraudulent. These accounts appear to be opened without my authorization, and I am deeply concerned about the potential impact on my credit standing and financial well-being. I suspect that I am a victim of identity theft, as I have not initiated or authorized the opening of these accounts. The presence of these unauthorized accounts on my credit report has caused me significant XXXX  and uncertainty about the security of my personal information. I have attached a copy of my credit report highlighting the unrecognized accounts for your reference.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$1400.00} balance for an account that has been fully paid off. The lender is no longer in business and can not verify the debt. This violates FCRA 611 ( a ) and 607 ( b ) as the information is inaccurate and unverifiable. I am requesting immediate deletion or correction to reflect a {$0.00} paid-in-full status. Supporting documents are attached.

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 2025-05-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX is reporting a {$1400.00} balance for an account that has been fully paid off. The lender is no longer in business and can not verify the debt. This violates FCRA 611 ( a ) and 607 ( b ) as the information is inaccurate and unverifiable. I am requesting immediate deletion or correction to reflect a {$0.00} paid-in-full status. Supporting documents are attached.

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 2025-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
Spoke with SPS on XX/XX/year> starting at XXXXXXXX XXXX. I had XXXX on line. Adv that due to SPS adding the Flood Insurance, I went from being 1 payment ahead. To now being 1 payment be hide. XXXX on a recorded line confirmed that I was ahead by 1 month. But then that somewhere around XX/XX/year> to XX/XX/year> is where I fell be hide. Which is incorrect. I told XXXX, that every month at the end of the month is when I make a payment. Due to is when I get paid. If that was the case, then I would be be hide 1 month as of last year. Which is not the case. Due to any late fees that I was charged was to be removed due to SPS every year adding Flood Insurance when they shouldn't being I live in a HOA that pays for the Flood Every Year.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-05-19 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: IL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: 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 explanation