vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: CA

Complaint narrative:
This is not a mistaken complaint. My credit report contains inaccurate information that fails to meet the standard of maximum possible accuracy. These errors are causing significant personal and financial harm. I urge immediate correction or removalprompt action would bring much-needed relief during an already difficult time.

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 2025-06-12 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: FL

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-06-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
I received a letter from aidvantage XX/XX/year>, and it stated they received information from dept of education to put the loans on administrative forbearance, which will allow time for DOE to review my loan forgiveness under borrower defense. I then received an email from DOE, confirming my group discharge. 
I did receive a refund from XXXX in XXXX of 2024, so this is why XXXX very concerned that aidvantage is saying they still have not received any communication from DOE confirming my student loans be XXXX. I also have received XXXX denial letters from aidvantage stating my case is being denied because I was attending & graduated the school before its closure- but that is not what my case is about. 

I called aidvantage a few months ago, around XXXX or XXXX, and was told they did have the information and know what I was talking about, and the loans likely be XXXX around end of XXXX or mid XXXX at the latest, but now I called aidvantage last week to get a status update, and the customer service rep had no idea what I was talking about, said they havent gotten any information from DOE about this. She did state shes opening a ticket so someone can get an update on this, but this has been me going back and forth with them and getting all kinds of misinformation. XXXX very frustrated and have no idea why aidvantage seems to be left in the dark about this ( or thats just what theyre conveying to me ). 

Any help or clarification on the XXXX discharge would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
I am submitting this complaint regarding the inaccurate reporting of the balance on my XXXX XXXX XXXX  auto loan account ( # XXXX ) as it appears on my TransUnion and Equifax credit reports. 

Specifically, Equifax is reporting a balance of {$33000.00}, while TransUnion is reporting {$32000.00} for the same account. This is a clear and unjustified discrepancy that calls into question the accuracy of the data being furnished to the credit bureaus.

To date, no documentation has been provided to validate the balance being reported. Under the Fair Credit Reporting Act ( FCRA 607 ( b ) ), both furnishers and credit reporting agencies are required to ensure that all reported information is complete, consistent, and reflects the maximum possible accuracy. In this case, that obligation has not been met.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report that are having a significant negative impact on my financial well-being and my ability to provide for my family. As a single [ mother/father ], every financial decision I make directly affects my child ( ren ) XXXX security and future. The information below on my report I have identified as identity theft, and this item is not related to any transactions by me at all. I was not able to move because of my credit profile being inaccurate due to these unknown accounts being opened in my name. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : This unauthorized item has had a profound negative effect on my credit profile, and I am reaching out to you to request your assistance in rectifying this situation. The unauthorized item ( XXXX ) on my credit reports are : XXXX. 
XXXX. 
XXXX Account Number : XXXX * * * * * * * * XXXX XXXX  XXXX XXXX Account Number : XXXX * * * * * * * * *

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harley Davidson Financial Services Inc
State: CA

Complaint narrative:
XX/XX/year> {$990.00} etch refund was payed by gap and now I have a charge off on my credit from Harley Davidson for the amount and a late fee totaling {$1000.00}. I contacted the company multiple times time about the situation and they called me back saying it was removed and now its on my credit and also gap since me a break down of everything they payed and its showing its payed but now I have a charge off.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: SD

Complaint narrative:
I would like to report a deceptive advertisement that adversely affected me. US Bank currently offers a {$500.00} promotional reward ( promo code XXXX ) for new business account debit card holders that is based on deceptive language. See https : //www.usbank.com/splash/business-checking/business-checking-promo.html. 

On XX/XX/year>, I opened a new business account for XXXX XXXX and deposited {$7500.00} ( above the {$5000.00} required ), transferring it from a personal US Bank account I already had. 

On XX/XX/year>, solely in order to satisfy the requirements for the {$500.00} reward, I completed XXXX debit card purchases, purchasing XXXX items for the LLC ( totaling {$41.00} ). 

On XX/XX/year>, noticing that I still had not received the {$500.00} reward, I called US Bank. A customer service representative said that the {$5000.00} added to the business account could not come from another US Bank account. She directed me to the requirement in the offer stating that the deposit be " new money '' ( see the website above ). I had assumed " new money '' had its ordinary meaning : new to the account where it was being deposited. 

The reward offer on the website above does not state that " new money '' means money from another bank. The key fact that supports finding US Bank 's reward offer to be a deceptive advertisement is that the reward offer contains footnotes defining XXXX of the terms : balance, transactions, cycle, funds, and reader. In addition, the term " XXXX qualifying transaction '' contains a hyperlink defining that term in great deal. But, crucially, the term " new money '' is neither footnoted nor hyperlinked. In the absence of a footnote or hyperlink, it is reasonable for consumers to assume, as I did, that the term " new money '' has its ordinary meaning : a new deposit, new to the account.

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 2025-06-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/year> I disputed a fraudulent transfer from my savings account to my checking account in the amount of {$920.00} to XXXX  XXXX XXXX and it was denied. 
XX/XX/year> I disputed a fraudulent XXXX transaction in the amount of {$750.00} that was made through Venmo that was denied. 
XX/XX/year> I disputed 3 fraudulent Venmo  transactions in the amounts of {$300.00}, {$480.00} and {$540.00} on purchases I did not make that were denied. 
XX/XX/year> A Venmo card was taken out in my name without my consent. 
XX/XX/year> A PayPal card was taken out in my name without my consent. 
XX/XX/year> An XXXX card was taken out in my name without my consent. 
XX/XX/year> I received 3 emails from PayPal stating they are debiting my account for 3 different fraudulent transactions in the amounts of {$500.00}, {$580.00} and {$650.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Incomm Holdings Inc.
State: FL

Complaint narrative:
I purchased a Vanilla Visa Giftcard for {$100.00} from XXXX on XX/XX/year>. It was delivered XX/XX/XXXX. The giftcard has never worked! I tried to check the balance on the toll free number and the website, both kept saying account error. I was finally able to reach a live representative on XX/XX/year>. The representative had me to email a copy of the front and back of the card along with a copy of the receipt. He opened the case # XXXX. He did say it might take 15 days. In the meantime, I contacted XXXXwhich has a giftcard department! They said they are showing the card was funded and all Vanilla needs to do is call them In which they have still have not! Well, today is the XXXX day now Vanilla is giving me a story that now they are going to send an email to XXXX and I have to wait another 7 days. I really think this is a scam. I am not XXXX at all but each time I speak to a Vanilla representative he or she is in XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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:
On XXXX  XX/XX/XXXX I sent in via certified mail with return receipts a dispute to experian. Included in that dispute was my license, social and a ftc report for identity theft and all the accounts and inquires on my credit that should be blocked according to the fcra 605 which states anytime a consumer reports identity theft via the ftc report and or police report that that consumer reporting agency has XXXX business days to block that information from the consumer profile. Experian unlike XXXX  and transunion is choosing to still report false inquires on my profile. I called XX/XX/year> and XX/XX/year> and was placed on hold for over XXXX hours on both calls. I notified the representative of my long hold time and they said they would not block the information despite having my ftc report and then hung up in my face knowing how troublesome it would be to call back in with such long hold times. I was told by both representatives a supervisor would call me but no supervisor has yet to call. They also have XXXX to field all incoming calls and it makes it nearly impossible to get a human on the phone. 
The inquires that should not be on my profile are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-06-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
Starting in XX/XX/year>, I was charged {$11.00} every month by XXXX XXXX for a recurring XXXX  plan. These charges total {$200.00} over XXXX  months. I never signed up for this service, and I have no active XXXX coverage. 

I contacted XXXX XXXX, and they confirmed they can not cancel or refund the charges. I contacted XXXX, and they confirmed that no active XXXX plan exists. I then attempted to dispute the charges through Bank of Americas app and website, but was told I must call in to proceed. 

I am currently abroad and can not make U.S. phone calls, which leaves me with no available method to dispute these charges. Bank of America has no email or secure messaging support, which has made this process impossible to complete. 

I am requesting a refund of the full {$200.00} and that Bank of America make the dispute process accessible for international cardholders.

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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Westlake Services, LLC
State: CA

Complaint narrative:
Wilshire Consumer has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: IL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese fraudulent accounts consist of an account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThese fraudulent accounts consist of an account opened at These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard Inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-12 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: WA

Complaint narrative:
I am submitting this attachment as part of my formal dispute regarding inaccuracies found on my credit report. Please find below a detailed account of the discrepancies related to my names, addresses, and credit inquiries that require correction. 
1. Incorrect Addresses : The following addresses appear on my credit report that are either outdated or not linked to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WA, XXXX These addresses do not correspond to my current or previous residences. 
My correct address is :, I request that you update my credit report with my correct address and remove any incorrect or outdated addresses. 
2. Unauthorized Credit Inquiries : The credit report lists several hard inquiries that I do not recognize and have no recollection of authorizing : 1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX WA 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 2025-06-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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