vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Universal Account Servicing, LLC
State: CO

Complaint narrative:
I paid a total of {$3900.00} to Universal Account Servicing ( UAS ), they were working as the third party company for the services of XXXX XXXX. Back in XX/XX/year>, I received a refund for that full amount, since I was no longer getting the services from XXXX, I communicated with UAS and they said that they were going to issue two checks, one for the amount of {$1900.00} and {$2000.00} which is a total of {$3900.00}, however, I received the first check for the correct amount, but the other check it was for the amount of {$1800.00}, I called UAS and they said that they were going to issue another check for {$160.00}, which I told them that, that amount was incorrect because it was XXXX  XXXX  less than what I paid them initially, I spoke with a supervisor named XXXX  ( I think ) and he said that he was unable to give me that XXXX  and that there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: MD

Complaint narrative:
It has come to my attention that my personal information has been exposed in a national data breach. After reviewing my credit reports, I notice some accounts that I am not familiar with. I have requested validation of debt from the credit reporting agencies ; 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 XXXX report showing my information being exposed in a national data breach, and a XXXX attachment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This dispute is against EXPERIAN. I stated that XXXX did not respond to my letter. Experian worked with XXXX bank to give XXXX XXXX additional days to respond to my dispute. They kept on re-aging the collection. This is illegal!!! 

XXXX Bank Card # XXXX XXXX XXXX XXXX XXXX XXXX was repeatedly reporting the same collection as if it was a new account. I wrote to XXXX Bank asking them not to keep reporting the collection as if it is a new collection. After 30 days, I did not hear from XXXX so I then wrote to XXXX, XXXX, & Experian and sent a copy of the Certified Receipt from the post office and told the 3 bureaus that XXXX has not responded. 

XXXX XXXX XXXX Deleted XXXX Bank Card from my report XXXX  XXXX Deleted XXXX Bank Card from my report Experian - wrote to XXXX  to dispute it with them again thus giving XXXX XXXX more days which resulted in XXXX saying that it was posted correctly when it is not. I specified in my letter that I am NO longer disputing this with XXXX as they have not responded. Therefore Experian had NO RIGHT to re-dispute with XXXX as this gave XXXX an additional 30 days. The law states that they should respond in 30 days not XXXX. 

What is the use of having these laws when this credit bureau is working with these Banks. I think it may be that the Banks & companies are allegedly the ones paying agencies more money for accounts with collections. The law is to protect consumers not for the credit agencies to work with the Banks & companies to give them more time. This is so wrong. 
XXXX has 30 days to respond, that's it! XXXX did not respond. Therefore this account MUST be deleted from my 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 2025-09-03 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: GA

Complaint narrative:
This is not a mistake. My credit report contains inaccurate information that fails the FCRAs maximum possible accuracy standard and is causing me real harm.

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 2025-09-03 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: SC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: Early Warning Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX To : Early Warning Services , LLC XXXX XXXX XXXX XXXX XXXX, AZ XXXX Subject : Dispute of Inaccurate Information Due to XXXX XXXX XXXX XXXX Ref # XXXX Dear Early Warning Services, I am writing to formally dispute inaccurate information associated with my Consumer ID ( XXXX ) that appears in your records. Specifically, I am disputing a reported principal loss amount related to XXXX XXXX under XXXX Reference Number XXXX. This information is inaccurate and the result of fraud. I did not authorize or participate in the transaction ( s ) that led to this reported loss, and I have reason to believe my identity or account was compromised. I am requesting that Early Warning Services investigate this matter thoroughly and remove or correct the erroneous data from my record. Please consider this letter my formal notice of dispute under the Fair Credit Reporting Act ( FCRA ). Enclosed are supporting documents for your review : A copy of my government-issued ID Please provide a written confirmation once the investigation is completed, and notify me of any updates or actions taken. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
CFPB Complaint Addendum # 2 Complainant : XXXX XXXX XXXX XXXX XXXX Dispute Case ID : XXXX XXXX XXXX  Dispute Case ID : XXXX Complaint ID : XXXX ( and related Addendum ID XXXX ) Company : XXXX XXXX XXXX  / XXXX XXXX XXXX XXXX XXXX 
Date : XX/XX/year> ADDENDUM # 2 New Developments Since the filing of Addendum # 1, I have received further correspondence from XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX 

After I demanded forensic evidence supporting their denial of the two disputed XXXX XXXX XXXX transactions, XXXX XXXX abruptly issued a Final Credit Amount refund for {$75.00} and {$80.00}. 

Despite this reversal, the company continues to prematurely declare the matter closed while failing to issue the full refund of all funds stolen from my account. 

CURRENT STATUS OF FUNDS Original XXXX Disbursement ( XX/XX/year> ) : {$5300.00} Refund of Non-Stolen Balance ( XX/XX/year> ) : {$1400.00} ( cleared successfully ) Fraudulent Transactions ( acknowledged in writing by XXXX XXXX ) : {$3900.00} Outstanding Balance Still Owed : {$3900.00} XXXX XXXX  has repeatedly admitted in writing that {$3900.00} was fraudulently withdrawn. However, instead of issuing a paper refund check as required by law, they continue to falsely claim that these funds were credited to my closed debit card account and that the matter is resolved. 

ONGOING FRAUDULENT SCHEME It is my contention that XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX are engaged in an ongoing bank fraud scheme against debit card holders : First, they deny legitimate fraud claims by labeling transactions as valid. 

When customers demand forensic evidence, they abruptly reverse course, issue limited credits, and apply those credits to closed accounts instead of refunding consumers. 

They then declare cases resolved without restitution. 

This conduct constitutes bank fraud and is designed to defraud debit card holders of rightful refunds in violation of : Electronic Fund Transfer Act & Regulation E ( 12 C.F.R. Part 1005 ) 18 U.S.C. 1344 ( Bank Fraud ) 18 U.S.C. 1005 ( False Bank Records ) DoddFrank Act ( UDAAP provisions )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-03 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: NY

Complaint narrative:
b'I am writing to formally file a complaint regarding issues with my American Express accounts and Membership Rewards points.\nAccount Information:\n\nName: XXXX XXXXCard Number: Business card ending with XXXX and 2 personal cards\n\nContact Number: XXXX XXXX XXXXEmail Address: XXXXAmerican Express User account: XXXXComplaint Details:\n\nCredit Card Account Closure\nRecently, I discovered that all of my American Express credit card accounts have been closed, without any prior notice or explanation. As a long-time (over 20 years!) and loyal customer, I find this decision extremely concerning. I request that American Express provide a detailed explanation for the closure of my accounts and, if possible, restore them.\n\nInability to Redeem Membership Rewards Points\nAdditionally, I have noticed that the over 600,000 Membership Rewards points in my account are no longer available for redemption following the closure of my accounts. This is highly frustrating, as these points hold significant value for me. I request that American Express restore the redemption functionality of my Membership Rewards points and resolve this issue promptly.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
This is not a mistake. My credit report contains inaccurate information that fails the FCRAs maximum possible accuracy standard and is causing me real harm.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: EQUIFAX, INC.
State: HI

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: OK

Complaint narrative:
I am submitting this complaint because the consumer reporting agency did not fulfill its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a comprehensive explanation of the reinvestigation process used to verify disputed information. I requested details including the name and contact information of the furnisher, the identity of the person contacted, and the documentation reviewed to confirm the accuracy of the disputed account. The agency failed to provide this information within the 15-day period mandated by law, denying me the transparency and verification rights granted under the FCRA.

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 2025-09-03 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: PA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information. 

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
First & Last name Street Address City, state, zipcode Phone number XX/XX/year> Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Account number : XXXX Original Creditor : XXXX Bank ( XXXX XXXX ) Balance : {$430.00} To Whom It May Concern : I am writing regarding the above-referenced debt, which I understand is currently collections with your agency. I am willing to resolve this debt by offering to pay a settlement amount of {$390.00} in exchange for your written agreement to * * delete this account from all credit reporting agencies * * ( XXXX XXXX, and XXXX  ) including the late payment history upon receipt of payment This is NOT an acknowledgement of the debt, but a good faith offer to settle this matter. If you agree to these terms, I request a written confirmation of the following : 1. Your company agrees to accept a payment of {$390.00} as full settlement of the amount. 
2. Upon receipt and clearance of the payment, you will * * delete all references * * to this account from * * all credit bureaus * *.

3. You will not sell, transfer, or assign the remaining balance to any third party.

Once I receive this written confirmation on your companys letterhead, I will promptly make the agreed-upon payment by ( phone ). 

Please send your response to the address or email list above. 

Sincerely, First & Last Name ( This was sent in the mail & I sent it to the address that was on my credit report ) Today is XX/XX/year> XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FEDChex Recovery, LLC
State: FL

Complaint narrative:
The current debt was sold or collected by a Third Party Debt Collector. This violates FCRA laws in which the debt was not sold for the full amount that is reporting on transunion reports. 

This also violates the 15. U.S.C 1692 ( C ) law by in lawful communication. 

Please have this removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: LA

Complaint narrative:
This is a follow-up dispute with new evidence against Equifax. 

I first disputed several inaccurate accounts with Equifax on XX/XX/year>, and again on XX/XX/year>. In both disputes, I specifically requested the Method of Verification ( MOV ) under FCRA 611 ( a ) ( 7 ). Equifax marked the accounts as verified but did not provide the furnishers name, address, phone number, verification method, or any documents relied upon. 

In late XX/XX/year>, I also sent direct validation requests to the creditors and collectors reporting these accounts. For more than 34 months, none of them have validated the debts. This includes : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX  ) On XX/XX/year>, I filed an official FTC Identity Theft Report identifying these accounts as fraudulent. Under FCRA 605B, Equifax must block these accounts within 4 business days of receiving my report. 

Despite my disputes and new evidence, these accounts remain on my Equifax credit file. This violates multiple sections of the FCRA, including : 611 ( a ) ( 7 ) : Failure to provide Method of Verification 611 ( a ) ( 5 ) ( A ) : Failure to delete unverifiable information 605B : Failure to block fraudulent accounts after receiving an identity theft affidavit 607 ( b ) : Failure to ensure maximum possible accuracy Additionally, my personal information was exposed in two separate data breaches, increasing my risk of identity theft. This made it even more important for Equifax to properly investigate instead of publishing unverifiable data. 

The ongoing reporting of these fraudulent accounts has suppressed my credit score, damaged my reputation, and harmed my ability to obtain housing and credit. I am requesting that these accounts be immediately blocked and permanently deleted from my Equifax credit file and from all specialty agencies to which Equifax furnishes data ( including XXXX, XXXX, XXXX, and XXXX  ).

Company response to consumer: Closed with non-monetary relief