vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Experian XXXX XXXXXXXX XXXX XXXX, TX XXXX Equifax XXXXXXXX XXXX XXXX  XXXX, GA XXXX TransUnion XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Reporting Reference : FCRA 15 USC 1666b & FDCPA 15 USC 1692c To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of late payments on my credit file. Under the Fair Credit Billing Act ( 15 USC 1666b ), creditors are required to provide a reasonable timeframe before reporting a late payment. Additionally, under the Fair Debt Collection Practices Act ( 15 USC 1692c ), I request that no further communication regarding these disputed debts be made to third parties until resolved. 

The following accounts have been reported inaccurately and should be corrected immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX - Late payments reported by XXXX, XXXX, and Equifax are inaccurate. 

XXXXXXXX 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 30-day late payments are inaccurately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Inaccurate late entries reported across all three bureaus. 

I request that these items be investigated and removed from my credit file. Please conduct a thorough reinvestigation and provide written confirmation of the results within the required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX Date : XX/XX/XXXX To : Experian XXXX XXXX  XXXX XXXX, TX XXXX XXXX  XXXX. Box XXXX XXXX, GA XXXX XXXX  XXXX. XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Late Payment Reporting Reference : FCRA 15 USC 1666b & FDCPA 15 USC 1692c To Whom It May Concern : I am writing to formally dispute the inaccurate reporting of late payments on my credit file. Under the Fair Credit Billing Act ( 15 USC 1666b ), creditors are required to provide a reasonable timeframe before reporting a late payment. Additionally, under the Fair Debt Collection Practices Act ( 15 USC 1692c ), I request that no further communication regarding these disputed debts be made to third parties until resolved. 

The following accounts have been reported inaccurately and should be corrected immediately : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Acct # : XXXX XXXX XXXX XXXX XXXX XXXX - Late payments reported by XXXX, Experian, and XXXX  are inaccurate. 

XXXXXXXX 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 30-day late payments are inaccurately 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) - Inaccurate late entries reported across all three bureaus. 

I request that these items be investigated and removed from my credit file. Please conduct a thorough reinvestigation and provide written confirmation of the results within the required timeframe. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX Email : XXXX Phone : 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 2025-06-10 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Blackhawk Network Holdings Inc.
State: OH

Complaint narrative:
I noticed unauthorized charges on my prepaid card totaling {$63.00}. I contacted the company, https : //www.mcgift.giftcardmall.com, and they said they would refund the full amount and send me a replacement card. On XX/XX/year>, I received the replacement card, but it only had {$0.00} on it. I have a case number for this issue : XXXX. I tried to follow up to ask about the missing refund, but there was no way to contact them. They promised a refund but never returned the full amount, and there is no working phone number or customer service contact to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
Issues with suspicious activity/ fraud & several claims that I not authorized led to my account closure, requesting secondchance reopening 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 2025-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: NV

Complaint narrative:
Below is a high level timeline of events for this complaint. I am including a detailed document highlighting key complaints/issue areas that presents potentially deceptive practices, payment mishandling and service misconduct in Aidvantage student loan serving. 

XX/XX/year> - I submitted duplicate payments/overpayment of one loan XX/XX/year> - Contacted Aidvantage to obtain refund for one of the duplicate overpayments ; Aidvantage logged my refund request and provided XX/XX/XXXX or XXXX week ETA on refund XX/XX/year> - No refund, called Aidvantage for status, said it was still in progress XX/XX/year> - No refund, called Aidvantage for status, said it was still in progress. Asked who to escalate to ( well beyond 4 weeks ) and no solution provided other than I could try to find another for the US Treasury department. Call us back was the solution. 

XX/XX/year> - No refund, called Aidvantage for status, two phone calls to customer service were disconnected by the automated phone system after placing me on hold briefly and then prompting a survey. Logged into chat to address the refund situation and another ach/payment related communication discrepancy. Again, I was unsuccessful in obtaining the exact source of my refund. I was provided very unsettling information that had multiple " holes '' and still I don't know where my overpayment went or when it will be refunded. I was told my refund was denied on XX/XX/XXXX yet I spoke to 2 other custom agents after this time and neither of them provided me that update. I asked for a copy of the decision to deny my request, the agent said they do not provide written correspondence on these matters. I asked how the previous two agents did not see this same information she was seeing, she said it must have been an oversight. Out of nowhere, the agent went from my request being denied to it then being refunded/credited to one of my other loans. I checked the unpaid principal balance on all of the other loans since the alleged reallocation of my payment yet NONE of my principal balances decreased by this amount, so again, where did my money go? After several detailed questions asking the agent to point me to where I could see this money being reallocated to and/or documentation of where it was allocated, the chat abruptly ended without indication from the agent. I know I am not the only person this has or is happening to and we need to hold this organization accountable to ethical business practices and conduct and transparency in account holder information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: OH

Complaint narrative:
After reviewing my credit reports, I discovered that multiple accounts included in my bankruptcy are still being reported as charged off, with outstanding balances, or past due, despite being legally XXXX through the XXXX Bankruptcy XXXX. In addition, the public record of the bankruptcy itself remains inaccurately reported and improperly verified. 
You are currently in direct violation of the Fair Credit Reporting Act ( FCRA ) and the XXXX Bankruptcy XXXX, as outlined below : XXXX XXXX XXXX ( b ) You are required to maintain maximum possible accuracy in the information you report. Continuing to show accounts as owed after discharge is both false and misleading. 

XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ) Data furnishers must provide only accurate and complete information. Reporting debts as active after discharge violates this duty. 

XXXX XXXX. XXXX ( a ) Upon dispute, you are legally obligated to investigate and delete unverifiable or inaccurate information within 30 days. You have failed to do so. 

XXXX XXXX. XXXX ( a ) Bankruptcy-related information must be reported correctly and within statutory time limits. You are in breach of this. 

XXXX XXXX. XXXX ( a ) ( XXXX ) You have no permissible purpose to continue reporting these XXXX debts without my consent or legal justification. 

Bankruptcy XXXX XXXX ( a ) ( XXXX ) A bankruptcy discharge imposes a permanent injunction against collecting or misrepresenting XXXX debts. Your reporting is in contempt of this federal order. 

Furthermore, the XXXX Bankruptcy XXXX has clearly stated that they do not furnish or verify consumer data with any credit reporting agencies. Nor does XXXX or other vendors have valid, direct access to confirm such public records, making this reporting unverifiable, inaccurate, and illegal. 

YOU ARE LEGALLY LIABLE FOR THIS MISCONDUCT Your refusal to delete accounts that are legally uncollectible and XXXX under bankruptcy is fraudulent and reckless. This reporting is : XXXX  Financially and emotionally damaging Obstructing my access to credit, housing, and employment A gross violation of federal consumer protection laws

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 

DEPT OF EDUCATIONXXXX # XXXX XX/XX/XXXX -- {$1000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: NC

Complaint narrative:
I demand the removal of all fraudulent hard inquiries from my Experian credit report within four days of receipt. I request that you manually process my FCRA 605B deletion request and immediately block all fraudulent inquiries, as required by law. Per FCRA 605B, no further validation from creditors is necessary once proper identity theft documentation has been provided. The fraudulent hard inquiries are : Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX  - XX/XX/year> Unauthorized Inquiry ( XXXX ) : XXXX  XXXX - XX/XX/year> Unauthorized Inquiry ( XXXX ) : XXXX XXXX XXXX  - XX/XX/year> Unauthorized Inquiry ( XXXX ) : XXXX XXXX - XX/XX/year> Additionally, I request that you provide the specific reason for reporting these inquiries, in accordance with 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned 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 explanation
Consumer complaint received 2025-06-10 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: NE

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Placed for collection : XX/XX/XXXX Responsibility : individual Account Account type : open account Loan type : debt buyer Date updated : XX/XX/XXXX Original amount : {$450.00} XXXX XXXX  creditor : XXXX XXXX XXXX XXXX XXXX am reporting fraudulent activity connected to my credit file. XXXX XXXX XXXX, listed as a debt buyer on my credit report, is falsely reporting a collection account under my name. I have no knowledge of this account, never agreed to it, and have never done business with this company or the original creditor associated with it. 

This debt is part of a broader identity theft issue that includes over {$40000.00} of fraudulent debt many opened while I was still a XXXX. I never authorized this account and have never received any valid communication or documentation proving this debt is mine.

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 2025-06-10 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: MO

Complaint narrative:
I submitted a written dispute to Experian on XX/XX/2025, regarding the accuracy of the following account ( s ) : - XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) - XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX ) - U.S. Department of Education ( XXXXXXXX XXXX XXXX  ) - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Reason for inaccuracy : not my account, incorrect payment history, balance incorrect, etc. 

This dispute was sent certified mail, and under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ), the agency is required to investigate and ensure maximum possible accuracy. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) mandates that unverifiable or inaccurate information be promptly deleted. 

As of [ insert todays date ], I have not received a satisfactory resolution or proof that the account is verified. I am requesting immediate CFPB intervention to compel deletion of the disputed data if it can not be verified in full compliance with FCRA standards. 

I am attaching : A copy of dispute letter Proof of delivery ( certified mail receipt or tracking ) A copy of the credit report showing the inaccurate item

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
b'These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.\XXXX XXXX**** Balance: XXXX,XXXX XXXX**** Balance: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
b'These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.\XXXX XXXX**** Balance: XXXX,XXXX XXXX**** Balance: 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 non-monetary relief
Consumer complaint received 2025-06-10 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: CT

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

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 2025-06-10 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: OH

Complaint narrative:
I strongly urge you to address and rectify the unauthorized accounts that have surfaced on my credit report. Despite my lack of association with these entries, they are adversely affecting my creditworthiness. I request their prompt removal and measures to prevent similar errors in the future.

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 2025-06-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I financed a vehicle through Chase Auto and included a Tire & Wheel Protection Plan sold by the dealership ( XXXX XXXX ). After paying off the loan in XX/XX/year>, I submitted a cancellation request for the protection plan in XX/XX/year>. 

The XXXX ( XXXX  ) confirmed in writing that the contract was never funded and that the dealership ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) was responsible for issuing the refund. 

I have now confirmed, based on bank statements, that XXXX XXXX sent the refund to Chase Auto. However, I have not received any refund from Chase, nor has Chase confirmed how the funds were applied or disbursed.

Company response to consumer: Closed with explanation