vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Levy & Associates, LLC
State: KY

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am filing an immediate formal escalation against Levy Law Firm following their deceptive and unlawful actions against me, which I previously reported under reference number XXXX. 

Levy Law Firm has engaged in gross misconduct, including : Garnishing my wages based on a judgment entered in 2013 without any proper revival or renewal before the 10-year expiration under Ohio law ( Ohio Revised Code 2325.18 ). 

Failing to provide lawful notice of garnishment prior to enforcement against my employer ( XXXX ). 

Refusing to respond to any direct communication via phone or email, instead only acknowledging the situation after I was forced to involve the XXXX XXXX XXXX. 

Attempting to claim compliance by mailing alleged correspondence after garnishment had already started, which is not compliant with due process requirements. 

Willfully ignoring my rights under the Fair Debt Collection Practices Act ( FDCPA ) and engaging in abusive debt collection practices by misleading me about the legal enforceability of an expired judgment. 


Levy Law Firm is knowingly and maliciously abusing the court system, disregarding consumer protections, and violating state and federal laws in order to extract wages from me under the threat of court orders they had no lawful right to enforce. Their behavior is predatory, deceptive, and deserves the strongest sanctions possible. 

If necessary, I am fully prepared to escalate this matter through : A formal Motion to Vacate and Motion for Sanctions at the XXXX XXXX XXXX XXXX, A complaint with the Ohio Attorney Generals Office for unfair business practices, A lawsuit under the Fair Debt Collection Practices Act and state consumer protection statutes, Pressing for punitive damages and restitution of all unlawfully garnished wages, Public exposure of Levy Law Firms abusive and unethical practices. 


I demand immediate intervention by the CFPB to : Launch a full investigation into Levy Law Firms garnishment activities, Freeze further garnishment actions against me, Compel full restitution of any illegally garnished funds, Pursue appropriate penalties for their violations. 


I will pursue every legal and public avenue available to hold Levy Law Firm accountable until they are fully exposed and punished for their misconduct. 

Thank you for your time and swift action on this urgent escalation. 

Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: TX

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 XXXX XXXX account [ XXXX ]. 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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX and XXXX  toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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 2025-04-29 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: DC

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: NY

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXXXXXX - XXXXXXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Under 15 U.S Code 1605 ( a ) If a Finance Charge was included which is the sum of all payments There Should be no late payments on this account. Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX XXXX XXXXXX/XX/XXXX - Did not consent to unauthorized inquiry. 

XXXX - XX/XX/XXXX- Did not consent to unauthorized inquiry. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX - The following personal information is incorrect EMPLOYER - XXXX XXXX  - The following personal information is incorrect EMPLOYER - XXXX  - The following personal information is incorrect

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
This letter is a formal dispute regarding several unauthorized and/or inaccurately reported inquiries appearing on my credit report. Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b and 1681i, only inquiries resulting from a firm offer of credit or legitimate business need initiated by the consumer are permissible.

Upon reviewing my recent credit report, I have identified the following inquiries that were made without my authorization or that do not comply with permissible purpose standards : XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not provide any written or verbal authorization for these parties to access my credit report. Any access to my credit file without permissible purpose as defined under 15 U.S.C. 1681b constitutes a willful violation of federal law.

Furthermore : 15 U.S.C. 1681b ( a ) ( 3 ) strictly limits access to consumer reports only for legitimate needs related to a transaction initiated by the consumer.

Access outside these defined circumstances without proper consumer consent creates grounds for statutory damages under 15 U.S.C. 1681n and 15 U.S.C. 1681o, including punitive damages and attorneys fees.

Additionally : According to Pintos v. Pacific Creditors Association, 605 F.3d 665 ( 9th Cir. 2010 ), an entity must demonstrate that a consumer initiated the transaction leading to a permissible purpose.

Stergiopoulos v. First Midwest Bancorp , Inc., 427 F.3d 1043 ( 7th Cir. 2005 ) emphasized that even indirect or minor violations of permissible purpose requirements may render an inquiry illegal.

Accordingly, I am demanding the immediate removal of these unauthorized or impermissible inquiries from my credit file across all bureaus.

Requested Remedy : Immediate deletion of the listed inquiries.

Written confirmation of removal within 30 calendar days, per FCRA 1681i.

Failure to comply may leave me no alternative but to pursue legal remedies for noncompliance, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potential civil litigation for statutory and punitive damages.

This is my good faith attempt to resolve this matter. I expect your prompt compliance to avoid 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 2025-04-29 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: TX

Complaint narrative:
I am formally disputing the following negative items on my credit report. 
Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and XXXX toll of dealing with these unresolved discrepancies has been overwhelming. 

Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I am formally disputing the following late payment entries on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: NC

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 explanation
Consumer complaint received 2025-04-29 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: NC

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I did not authorize these fraudulent inquiries on my report XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In XX/XX/scrub> 2025, I was issued a {$400.00} XXXX XXXX XXXX XXXX XXXX through American Express as part of my XXXX status with XXXX. On XX/XX/scrub> 2025, a second {$400.00} credit was issued to my account. No notice, explanation, or correction accompanied that second credit. It remained on my account for over 60 days with no communication from American Express that it was issued in error. 

Then, on XX/XX/year>2025 exactly 61 days later the {$400.00} credit was reversed. I was not informed in advance. I received an email on XX/XX/XXXX, after the charge had already posted. American Express claims this was due to a technical error and that it affected XXXX accounts. 

I contacted American Express to dispute the debit. I was met with dismissive responses, an accusatory tone from a supervisor who implied it was my responsibility to notice the error, and ultimately a blanket refusal to reinstate the funds. I then filed a CFPB complaint. 

However, before I could respond to American Expresss reply, the CFPB portal marked the complaint closed, denying me the ability to rebut their justification. I am now resubmitting this complaint in full, including my legal rebuttal.

LEGAL REBUTTAL : American Expresss reversal of the {$400.00} credit over 60 days after it was issued, with no advance notice, violates both reasonable customer expectations and key consumer protection principles.

Under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666b, a card issuer must inform consumers of billing errors in a timely manner and can not unilaterally adjust accounts outside the 60-day dispute window unless the consumer has been properly notified. 

The reversal posted on XX/XX/year>2025, more than 60 days after the XX/XX/XXXX credit was issued. That alone raises serious compliance concerns. There was : No contemporaneous notification in XXXX that the second credit was a mistake No warning or communication prior to the reversal in XXXX No merchant dispute or consumer-initiated correction This was a company-initiated credit and later a company-initiated reversal, executed after a lengthy delay and without transparency. American Expresss response to the CFPB claims no law was violated because the credit was part of a benefit program, not a merchant transaction. But the FCBA governs more than just merchant billing disputes it also covers improper charges and adjustments made to a consumers account without timely disclosure. 

Finally, Amex admitted that XXXX customers were affected yet has not shown proof that any notice was provided to me before the debit occurred. Their reference to an email on XX/XX/XXXX confirms that I was informed after my account was already charged. Thats not transparency its retroactive justification.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish any account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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