vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX  Account Number : XXXX Balance : {$3600.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " XXXX  '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy. 
Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation
Consumer complaint received 2025-04-22 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
To Whom It May Concern, I am submitting this complaint against XXXX XXXX XXXX, who has unlawfully used my personal information without my knowledge or consent and in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

On XXXX2025, I discovered that XXXX XXXX XXXX had accessed and/or reported a debt under my name to one or more credit reporting agencies. I have never received any prior communication, validation of the alleged debt, nor did i authorize or acknowledge any such account. this is clear violation of my rights under : FDCPA 809 ( 15 U.S Code 1692g ) - I was not provided with any written notice of the debt within five days of initial contact, nor was the debt validated upon request. 

FCRA 623 ( 15 U.S Code 1681s-2 ) - The agency reported inaccurate information to credit bureaus without verifying its accuracy or notifying me of my right to dispute. 

I attempted to resolve this matter directly by sending a debt validation letter on XXXX/2025 but the company either failed to respond or continued to pursue collection and report the debt. 

This unauthorized and unlawful use of my information has caused harm to my creditworthiness, stress, and unnecessary confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
Apple Card has refused to submit validation of the Fraud3lant account spoke to XXXX supervisor who who used Discrimination tactics towards me on the phone conversation with me and also refused to divulge the validity of the account and tried to validate that he recieved Fraudelent reporting from the credit Bureau concerning the account and have not communicated with me in 2 months account needs to be removed immediately

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 
I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle. 
I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soon as possible : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year> Balance : {$950.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened:XX/XX/XXXX Balance : {$9400.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$820.00}

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 explanation
Consumer complaint received 2025-04-22 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: VA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-22 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: AR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-22 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: AR

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2025-04-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: ADP Inc.
State: ND

Complaint narrative:
Last XXXX I began a garnishment. 25 % of my weekly take home. The garnishment was fulfilled and done in XXXX. However it is the end of XXXX and I still on this last check got garnished again. Even after many attempts of me calling and the law firm that was garnishing me posting a letter to stop on the ADP website. This has caused a lot of problems because I am expecting a certain amount and when XXXX of it weekly is missing I cant pay certain bills and it starts to mess my life up where a simple apology is just not going to work. I have had this issue with ADP before about 4 years ago when they messed up my child support garnishments and werent even paying my child support. Talking to them on the phone does no good because they just either argue with me about something that makes no sense or they say twice they will fix it and since Im writing this they have not fixed it and I am behind in bills which causes me to get low on groceries and I have a XXXX and XXXX yr old at home. Im very very upset with ADP and I hope there is some kind of compensation for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: CA

Complaint narrative:
Dear CFPB, I am filing a complaint against American Express regarding the abrupt closure of my account, the forfeiture of approximately XXXX Membership Rewards points ( valued around {$3000.00} ), and unfair treatment related to my annual fee. 

American Express closed my account without prior notice, based only on a vague claim of " indicia of misuse '' without providing any specific evidence. I applied for the card through their official website, and all my card usage was legitimate and fully compliant with their terms. I did not engage in any misuse, fraud, or illegal activity. 

In addition, I had paid the full annual fee but was only able to use the account for about four months before it was closed. Despite multiple attempts to seek clarification, American Express refused to offer any transparency or refund. 

I am requesting that American Express ( 1 ) provide a detailed explanation and evidence justifying their actions, ( 2 ) reinstate my Membership Rewards points or provide equivalent compensation, and ( 3 ) refund the proportionate amount of my annual fee. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: MO

Complaint narrative:
On XX/XX/year>25, I disputed a XXXX XXXX collection on my Experian report because : No valid contract : XXXX can not produce the e-signed agreement or proof I consented to terms, violating the ESIGN Act ( 15 U.S. Code 7001 ).

Predatory sales : A door-to-door agent signed me up for unwanted WiFi and hid a {$210.00} equipment feea clear fraudulent inducement.

FCRA violations : Experian " verified '' the debt without providing : The name/contact of who verified it, The verification method ( likely an illegal automated system ), Or the required contract copy per FCRA 611 ( a ) ( 7 ).

I demand : Experian delete this unverified collection immediately. 

XXXX cancel the debt and provide proof of deletion. 

Investigate XXXX deceptive door-to-door sales practices

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 2025-04-22 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: CA

Complaint narrative:
This account and balance do not belong to me. 

* * XXXXXXXX XXXX XXXX XXXX XXXX  Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dispute Status : Not Available Account Status : Closed Age of Account : 13 years, 10 months, 24 days Late Payments : 6 This is clearly a case of fraud and identity theft, and it must be addressed and resolved immediately. I have disputed this matter numerous times, yet Equifax has failed to take corrective action. 

Furthermore, regarding the account with * * XXXX XXXXXXXX * * : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Status : Not Available Reported Balance : {$0.00} Actual Payment Amount : Date of Last Payment : Past Due Amount : Account Status : Pays account as agreed Once again, I assert that this account and balance do not belong to me. This is another instance of fraud and identity theft that requires immediate removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: RI

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Servicer under contract with Federal Student Aid
State: MS

Complaint narrative:
On XX/XX/XXXX, I submitted a FERPA complaint requesting the dismissal of my student loans due to privacy violations involving my Student Aid account. Specifically, sensitive personal and financial information tied to my account was accessed and disclosed without authorization by XXXX XXXX and XXXX. This unauthorized activity constitutes a clear breach of the Family Educational Rights and Privacy Act ( FERPA ), the Higher Education Act ( HEA ), and the Privacy Act of 1974.

The actions taken not only compromised the confidentiality of my Student Aid records but also resulted in undue harm and a breach of the trust established between myself and the institutions responsible for safeguarding my information. The violations also undermine federal laws designed to protect students privacy rights. 

In light of these violations, I am requesting the Consumer Financial Protection Bureau to investigate this matter thoroughly, address the breaches, and grant the dismissal of my student loan obligations as an appropriate remedy for the harm caused. 

Additional Information : Should further details or documentation be required, I am prepared to provide supporting evidence related to the unauthorized access and the violations of privacy laws.

Company response to consumer: Untimely response
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XXXX XXXX * Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * * Re : Dispute Resolution - Removal of Unverifiable Account from XXXX  * * Dear Sir or Madam, I am writing to inform you of the successful dispute and removal of a {$12000.00} from Credit Acceptance charge-off account from my XXXX  credit report. The account was deleted as a result of the investigation conducted between XX/XX/2025 and XX/XX/2025, XXXX XXXX collections account was removed from my credit report. 
It is my understanding that XXXX  has verified the account as unverifiable and has accordingly removed it from my XXXX  report. I am requesting that the same action be taken by all other credit reporting agencies ( CRAs ), including XXXX XXXX Given that the account has now been deleted from XXXX, it is my right to have it removed from all other credit reports as well. 
As a consumer, I am protected under the * * Fair Credit Reporting Act ( FCRA ) * *, which mandates that all information on my credit report must be accurate, complete, and verifiable. The FCRA, specifically * * Section 1681i * *, gives me the right to dispute any inaccurate or unverifiable information, and once an item has been disputed and deemed unverifiable, the CRA must remove the account from my report. 
I request that you take immediate action to remove the unverifiable {$12000.00} from Credit Acceptance charge-off from my credit report within * * 30 days * * or less, as required by the * * Fair Credit Reporting Act * *. If this account remains on my credit report past the 30-day window, I will consider this a violation of my rights under the FCRA, which could lead to further legal action.

Furthermore, under the * * Fair Debt Collection Practices Act ( FDCPA ) * *, I am entitled to protection from any attempt to collect on unverifiable or improperly reported debts. If you fail to remove this account within the legal timeframe, I may have grounds to file a complaint with the CFPB and/or pursue legal action for any damages I may suffer as a result of inaccurate or unverifiable information remaining on my credit report. 
Please confirm in writing that the unverifiable account has been removed, or inform me of any further steps required to ensure its deletion. 
Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, 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 explanation
Consumer complaint received 2025-04-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/XXXX TransUnion P.O. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX Account Number : XXXX Balance : {$340.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. The account listed under " EDFINANCIAL '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be 100 % accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. Verify the balance for completeness and accuracy.

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation.

Thank you for your prompt attention to this matter. 
Sincerely, 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 explanation