vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-21 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:
XXXX XXXX XXXXXXXX XXXX XXXX XXXX. Account # XXXX I never live at this resident. I contact the company/apartment complex and they inform that I never had an account or debt with the company. They inform that they have no dealing with that collection agency. Can remove this debt from my account. Thank you

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 2025-05-21 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
Subject : Formal Complaint and Request for Immediate Resolution Unusable American Express eGift Card To Whom It May Concern, I am writing to file a formal complaint regarding the purchase of a {$200.00} American Express eGift Card. The card was issued and marked active in my account but has remained completely unusable since the time of purchase. 

I made several attempts to use this card with reputable online merchants and tried to add it to my XXXX XXXX. All transactions were declined. When I contacted your customer service line at XXXX, I received no resolution or meaningful assistance. 

Summary of Events : First Call : A representative acknowledged the issue but stated the card is non-refundable. 
Supervisor Escalation : The supervisor admitted the problem but reiterated that no refund or replacement would be issued. 
Second Escalation : I was told that no further action would be taken. 
Final Attempt ( XX/XX/year> ) : I requested escalation again. The call was abruptly ended while I was providing my information. 

Despite multiple good-faith efforts to resolve this, I have received neither a functional card nor a refund. This constitutes failure to deliver a product as promised, poor customer service, and a breach of consumer trust. 

I respectfully request : 1. A full refund of the {$200.00} charged for the unusable eGift card.

2. A written acknowledgment of this issue and your commitment to resolving similar cases in the future.

3. Direct contact from someone with authority who can properly address this matter. 

If this issue is not resolved promptly, I will be forwarding this complaint to the Consumer Financial Protection Bureau ( CFPB ) and the Better Business Bureau XXXX BBB ) for formal investigation. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to 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 TILA US Code 1666B since I was never late.

" " I recently reviewed my consumer report and noticed an incorrect late payment record on my ( CHANGE TO NAME OF BANK ACCOUNT ). I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. '' '' "

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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:
Since I have no connection to the creditors involved and this investigation is unrelated to me, I respectfully request that it be immediately removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: VA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: GA

Complaint narrative:
b'Out of XXXX  years repayment in good standing None of my payments have been applied to my bal I borrowed XXXX  from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX got pell also.\n\nI started repaying XXXX  i was told in XXXX  to get Income driven to be able to pay 120 payments and be done with payments Ive paid XXXX  on one and XXXX  months on another on student.gov site it says Ive paid like XXXX  payments but as of XXXX XXXX XXXX sent that I have to pay until XXXX  another XXXX  payments \n\XXXX  also sent a breakdown of total to be repaid XXXX XXXX XXXX and Ive repaid to date > $XXXX  whats going on only payment history XXXX  has is literally <10 payments applied'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 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: CA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to 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 and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
CFPB Complaint Narrative : XXXX XXXX XXXX XXXX XXXX XXXX M & T Bank Summary of Violations and Request for Relief : I am submitting this complaint to report serious consumer finance violations committed by both XXXX XXXX XXXX XXXX XXXXXXXX ( dealer ) and M & T Bank ( lender ) in connection with the purchase and financing of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This transaction was deceptive, inflated, and in violation of the Truth in Lending Act ( TILA ), FTC rules against unfair and deceptive practices, and basic contract law. I am requesting the CFPBs urgent intervention to compel correction, refund, and full contract reformation.

1. Material Misrepresentation of Vehicle Price XXXX represented the total sale price of the RV as over {$130000.00}, while internal documents ( including the extended warranty Service Agreement Declaration page ) show the actual unit purchase price as {$30000.00}. This constitutes fraudulent inflation of the sale price by more than {$100000.00} with no supporting disclosure or justification. 



XXXX. Misapplication of {$8000.00} Down Payment I submitted a down payment of {$8000.00} at the time of sale, which should have reduced the amount financed. Instead : It was not credited toward the amount financed, It was added on top of finance charges, And used to inflate the Total Sale Price in violation of TILAs requirement for accurate application and disclosure of funds.

This also resulted in interest being charged on funds I had already paid, creating an unlawful finance structure.

3. Unauthorized and Deceptive Add-On Products XXXX XXXX  included : A {$3900.00} XXXX spray-on paint protectant, which I was falsely told had already been applied and was therefore not optional ; A {$3600.00} extended warranty, which I now wish to remove after learning of its misrepresentation and invalid declaration form.

These were added without clear disclosure or ability to decline in violation of FTC rules on deceptive upselling and product bundling.

4. Unilateral Modification of Contract by M & T Bank After the contract was signed, M & T Bank issued a corrected Truth in Lending Disclosure altering : The APR ( from 10.74 % to 9.99 % ), The finance charge, And the total of payments.

These are material terms and can not be modified unilaterally after execution. I never signed or agreed to the corrected loan. This is a violation of TILA, and the contract is unenforceable in its current form. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX presented the loan at a 10.74 % APR, while M & T Banks notice reveals their actual buy rate was 9.99 %. The 0.75 % spread was not disclosed and constitutes an unlawful dealer reserve markup which violates federal regulations requiring lenders to disclose the true cost of credit

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 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Account was included in bankruptcy, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Account was included in bankruptcy, remove immediately for inaccuracy. I sent you proof directly from the creditor that this would be removed and does not belong on my credit report, but I am still seeing it listed! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/year>, I received an email from chase stating that they are closing my account over fraud suspicion. I asked if they can give me my remaining funds because they are ending their relationship with me. I was told they can keep my money if they want to but there is no legit reason. Nobody has a reason for me, I called 4 times and nobody is able to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: FL

Complaint narrative:
I recently checked my credit reports and noticed billing errors, incomplete, and inaccurate information. You are in serious violation of the United States Code Law ( TILA ) 15 U.S. Code 1666 ( b ), billing error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 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 non-monetary relief
Consumer complaint received 2025-05-21 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX,TN XXXX (XXXX am writing to formally dispute and request the immediate blocking and deletion of fraudulent information on my credit report in accordance with 15 U.S. Code  1681c2, which pertains to identity theft protections under the Fair Credit Reporting Act (FCRA)XXXXThe following item(s) must be blocked and removed from my credit fileXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account is the result of identity theftXXXX support of this request, I have enclosed the following documentation as required under the FCRAXXXX.\tA copy of a valid government-issued photo XXXXtA copy of my Social Security card\XXXX.\tA copy of my FTC Identity Theft Report, filed via identitytheft.gov, in lieu of a police reporXXXXYou are further required to notify the furnisher of this data that it has been identified as resulting from identity theft. Please send me written confirmation when this has been completed.\n\nFailure to comply may constitute a willful violation of federal law and may result in a formal complaint with the Consumer Financial Protection Bureau (CFPB) and other enforcement agencies.\XXXXSincerely,\XXXX XXXXEnclosures:XXXXCopy of government-issued photo ID\XXXXCopy of Social Security cardXXXXFTC 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 2025-05-21 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: DC

Complaint narrative:
The company XXXXXXXX XXXX is engaging in fraudulent and scammy business practices. XXXXXXXX XXXX opened a fraudulent XXXXXXXX XXXX card account ending XXXX in my name. I filed an Identity Theft Report with FTC. I called XXXXXXXX XXXX and reported it. This is a fraudulent account. The XXXX XXXX XXXX customer service said they closed it. I request to remove inaccurate information 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 2025-05-21 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: TX

Complaint narrative:
In XX/XX/XXXX XXXX I submitted a formal written request to XXXX, my XXXX XXXX XXXX servicer, asking for a full audit of my repayment history dating back to XXXX. I also requested a manual calculation of my qualifying months under the One-Time Income-Driven Repayment ( IDR ) Adjustment, as I believe I now meet the criteria for forgiveness after over 20 years in repayment. My loans have never been in default. 

On XX/XX/XXXX, XXXX responded via email but refused to provide the requested information in writing, instead directing me to call them. I emphasized that I needed a written record and reiterated that under Department of Education guidance, borrowers like myself are entitled to review and written confirmation regarding their forgiveness status. 

In the meantime, despite this open review and my pending eligibility for discharge, XXXX reported late payments on my account to the credit bureaus which I believe is inaccurate and unjust, particularly during a time when my loans should be under protected review. 

I disputed the reporting with all three credit bureaus. As of XX/XX/XXXX : XXXX and XXXX have both removed the account and all derogatory marks ; Equifax, however, has only updated the account status and continues to report negative information. 

These inconsistent actions have harmed my credit and contradict federal policy guidance surrounding the IDR Adjustment forgiveness timeline ( implementation deadline : XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-21 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: GA

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.

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 2025-05-21 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:
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.

Company response to consumer: Closed with non-monetary relief