vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXXXXXX XXXX for the improper handling of my secured credit card account. Prior to my arrest on XX/XX/year>, I had a secured credit card with a \ {$500.00} deposit, which I maintained in good standing. I paid the balance down in advance, and at the time of my incarceration, there was only a small remaining balance. Due to my incarceration, I was unable to make further payments. However, instead of applying the \ {$500.00} security deposit to the remaining balance as required under a secured credit card agreement, XXXX  XXXX XXXX charged off the account and is reporting a balance still owed, while keeping the deposit. This is not permitted. The deposit is meant to be used to cover any unpaid charges. Retaining the deposit while also reporting a charge-off with a balance owed is unfair, deceptive, and a likely violation of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting that XXXX XXXX XXXX immediately apply the deposit to the balance, remove any remaining amount reported as owed, delete the negative credit reporting, and send written confirmation that the issue has been resolved. If this is not corrected, I will consider pursuing legal action for the financial harm and damage to my 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 non-monetary relief
Consumer complaint received 2025-06-27 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: CA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX  XXXX for the improper handling of my secured credit card account. Prior to my arrest on XX/XX/2023, I had a secured credit card with a \ {$500.00} deposit, which I maintained in good standing. I paid the balance down in advance, and at the time of my incarceration, there was only a small remaining balance. Due to my incarceration, I was unable to make further payments. However, instead of applying the \ {$500.00} security deposit to the remaining balance as required under a secured credit card agreement, XXXX XXXX XXXX charged off the account and is reporting a balance still owed, while keeping the deposit. This is not permitted. The deposit is meant to be used to cover any unpaid charges. Retaining the deposit while also reporting a charge-off with a balance owed is unfair, deceptive, and a likely violation of the Fair Credit Reporting Act and Truth in Lending Act. I am requesting that XXXX XXXX XXXXXXXX immediately apply the deposit to the balance, remove any remaining amount reported as owed, delete the negative credit reporting, and send written confirmation that the issue has been resolved. If this is not corrected, I will consider pursuing legal action for the financial harm and damage to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: OH

Complaint narrative:
I take my credit seriously, just like anyone else, and the fact that there are still errors on my report is unacceptable. These inaccurate items are in pending litigation because of the way they were carelessly reported. Because they are in a pending litigation, you will not be able to verify what the disputed errors are and therefore these items need to be deleted under 15 U.S. Code 1681i ( a ). They have directly harmed my financial opportunities and taken a real toll on my mental health. My credit report should only reflect accurate information, which is why its important all data is verified. I expect my credit report to reflect only accurate, verified informationnothing less. This needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Im unsure of who the debt is from because I dont have a contract with the third party debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am filing this complaint regarding a debt collection attempt by * * Southwest Credit Systems * * for an amount of {$350.00} I was contacted by this company in an attempt to collect a debt, yet I was * * never provided any original creditor information * *, account number, or documentation validating the debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-06-27 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: IL

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: NJ

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I received a notice that my loans were in forbearance and I would not be responsible for any interest accrued, as its administrative forbearance. Now, my account has over {$200.00} of interest accrued and owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: IN

Complaint narrative:
I'd like to let you know that there are items on my credit report that have resulted from fraud to which I never benefited from. I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated. I need you to prevent further harm and fraud to my personal information by having all these fraudulent transactions and account removed from my credit report now. I expect this to be resolved immediately. It would be a big help to lessen the tremendous XXXX  and stress it's causing me.

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 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
This inquiry on my credit is on my credit report & I did not furnish anything from this company running my credit. I also did not give this specific company to run my credit. Therefore this inquiry should be removed. This inquiry happened XX/XX/2025 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My credit report has items that have resulted from fraud. I never benefited from any of these transactions, but rather it did a lot of damage to me. I need these fraudulent transactions to be removed from my credit report ASAP in order to prevent further fraudulent activity of my information. This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-27 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: ID Analytics, Inc.
State: TN

Complaint narrative:
CFPB IS ALREADY AWARE OF MY IDENTITY BEING COMPROMISED DUE TO INCARCERATION. XXXX HAS UNAUTHORIZED INQUIRIES ON MY CREDIT REPORT UNDER 15 USC CODE 1681 ( N ) - ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On or about XX/XX/year> I applied for an American Express Card. Upon submission of application, I was immediately sent an e-mail stating I need to call them to provide further information. 

I have a medical disability that prevents oral communication. As such, the federal law, Americans with Disabilities Act, fully applies to me and my application with American Express.

I used the ADA authorized process offered by my cell phone provider to contact American Express via voice relay. The overseas AmEx representative refused to accept this as valid communication. Finally, she stated she suggested calling a family member who could speak on my behalf. She did call, but then hung up.

I used ADA compliant voice relay again and a new overseas AmEx representative told me they needed to verify I had a deposit or credit account with my bank. During the call, the AmEx representative hung up and never called back.

I then got a written online decision from AmEx stating they needed to call my bank to verify I had an account. The letter stated they could not act on my application until I called them to assist them to contact my bank and verify a deposit or credit account.

I called AmEx again using ADA complaint voice relay. Again the representative did not want to accept ADA compliant voice relay as valid contact. Then she inexplicably stated they required IRS tax returns or my application would be refused. When I told her about the decision enter I just received stating otherwise, she refused to listen.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: GA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$710.00}

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 2025-06-27 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: CA

Complaint narrative:
I noticed two hard inquiries on my Equifax credit report that I did not authorize or initiate. I did not apply for credit with the companies responsible for these inquiries and did not consent to having my credit report accessed. 
I submitted a formal dispute with Equifax on XX/XX/year> requesting they investigate these unauthorized inquiries and provide documentation showing I consented. In response, Equifax did not investigate or provide any evidence. Instead they replied with a generic message that stated : " INQUIRIES ARE FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATEOF THE INQUIRY. '' This is not a valid investigation or verification under the Fair Credit Reporting Act ( FCRA ) which requires consumer consent for hard inquiries. Equifax has failed to meet the standard. I am asking the CFPB to require that Equifax either produce documentation showing I authorized the inquiries or remove them from my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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: MD

Complaint narrative:
I did not approve these transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these accounts be blocked and removed from my record. This is not a mistake or a misrepresentation. These transactions were included without my explicit consent or instruction. I am stressing this to highlight the seriousness of my request. It is based on accurate information, and I am not attempting to deceive or manipulate the situation in any way. My intent is solely to ensure that my consumer report reflects only those transactions that I have authorized. I am committed to maintaining the integrity of my financial records and ensuring that they are accurate and truthful. My request is genuine and aimed at correcting an unauthorized inclusion, not at exploiting any system or misleading any party involved.

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 2025-06-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On or about XX/XX/24, XXXXhase unilaterally and without warning closed two credit card accounts I have had with them for many years. All were in good standing and NEVER had any delinquent payments or other negative attributes. In fact, I have NEVER had any problems with any credit cards I have had for over 20 years. The two credit cards were a Freedom Card and an INK Card.

Chase told me they would post the specific reason for closure on my online account. They lied and never posted any document.

They also stated they would send a letter to my residence with the specific reason for closure. Again they lied and never sent any letter.

Chase has taken this adverse action for XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
The apartment was opened up in my ex girlfriends name XXXX XXXX I was forced on the lease by a policy of the then management company she abandoned the unit and I ended up as the primary owner of the debt

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-27 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 am filing this complaint due to a reporting error involving my federal student loan from the U.S. Department of Education. The loan was previously reported as closed and placed in collections, and XXXX  still shows it as closed with a closure date of XX/XX/year>. 

However, Equifax is now reporting the same loan as open and in collections, even though there has been no new activity. On top of that, the balance continues to increase, despite the loan being marked closed and inactive. This creates the false appearance of a delinquent, active debt.

I disputed the account through Equifax, but it came back verified without any supporting documentation. Then the status changed back to open again, with no valid explanation or verification.

This inaccurate reporting is hurting my credit profile, and I am requesting that the information be corrected or removed.

Company response to consumer: Closed with non-monetary relief