vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-14 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: KS

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized access of my student loan information by XXXX XXXX or an entity under his control. I was not made aware that my personal student loan data was accessed, nor was I ever asked for my consent for this action. The fact that my private financial information, including sensitive student loan details, was accessed without my knowledge or consent is a violation of my privacy rights. It raises serious concerns about the misuse of personal data and the lack of proper safeguards in place to protect consumers like me. The unauthorized access to this information directly violates my rights to privacy and control over my personal financial data. I request that the CFPB investigate this matter promptly to ensure that my rights are upheld and that any unlawful activities are addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized access of my student loan information by XXXX XXXX or an entity under his control. I was not made aware that my personal student loan data was accessed, nor was I ever asked for my consent for this action. The fact that my private financial information, including sensitive student loan details, was accessed without my knowledge or consent is a violation of my privacy rights. It raises serious concerns about the misuse of personal data and the lack of proper safeguards in place to protect consumers like me. The unauthorized access to this information directly violates my rights to privacy and control over my personal financial data. I request that the CFPB investigate this matter promptly to ensure that my rights are upheld and that any unlawful activities are addressed.

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 2025-03-14 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: DISCOVER BANK
State: CA

Complaint narrative:
XX/XX/XXXX : I made a purchased for {$1200.00} of XXXX textbooks. The order receipt page showed the address of the sender as XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
XX/XX/XXXX : The books were finally delivered and the package they arrived in listed XXXXXXXX XXXX XXXX XXXX, DE XXXX as the return address. 
XX/XX/XXXX : Upon inspection, I discovered that the seller sent different text books and not the textbooks I ordered. I immediately contacted the seller to report this discrepancy, they did not respond to my messages. 
XX/XX/XXXX : I created a XXXX return label ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX ) to return the incorrect items to XXXX XXXX SQ, XXXX, DE XXXX. 
XX/XX/XXXX : XXXX XXXX shows the items were delivered to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX. 
XX/XX/XXXX : The company 's return policy states actions and timeframes for not as described returns must be returned within XXXX  days of delivery date, I followed these return guidelines since I received the books on XX/XX/XXXX and shipped them for return on XX/XX/XXXX ( the return is shown as delivered XX/XX/XXXX ). 

I contacted Discover XXXX to help me submit a dispute for this transaction since the seller did not respond to my messages stating I received the wrong books, my return of the books or my requests for a refund thereafter. Discover investigated the dispute but decided against me and have refused to continue researching the case unless I provide Discover written acknowledgement from the merchant that I am owed a refund to my Discover card and this written statement must contain the last XXXX digits of my card number. I said I have been unsuccessful getting a response from the merchant and am unable to provide this documentation. Additionally, I requested Discover identify for me where in my Discover XXXX XXXX I had agreed to Discover 's right to demand I provide them such documentation for them to pursue a chargeback investigation for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: MD

Complaint narrative:
This letter serves as formal notice that your agency is reporting inaccurate, misleading, and legally impermissible information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692, and federal Bankruptcy Code 11 U.S.C. 524.

Specifically, my credit report reflects an account from as outstanding, charged-off, or delinquent despite the fact that this debt was included and discharged in my Chapter 7 bankruptcy, XXXX XXXX XXXX, filed on XX/XX/year> and discharged on XX/XX/year>. 

Violation of the Bankruptcy Discharge Order ( 11 U.S.C. 524 ) Under federal bankruptcy law, any attempt to collect or misrepresent a discharged debt is a direct violation of my bankruptcy discharge injunction. By continuing to report this account inaccurately, you are engaging in illegal collection activity, which could subject you to severe penalties. 

Violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) Under the FCRA 15 U.S.C. 1681s-2, information reported to the credit bureaus must be accurate and verifiable. Reporting an account as delinquent, charged-off, or with a balance post-bankruptcy is a blatant violation of this requirement. If you can not verify the accuracy of this reporting with legally sufficient documentation, you are required to remove it immediately. 

Violation of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 ) If this account is being reported or managed by a debt collector, continued reporting after a bankruptcy discharge is an unlawful collection attempt in violation of FDCPA 1692e ( 2 ) ( false or misleading representation of a debt ) and 1692f ( unfair practices ). 

IMMEDIATE removal of this account from my credit report, as it was discharged in bankruptcy. Failure to comply within XXXX  days will result in the following actions : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office for willful violations of the FCRA, FDCPA, and Bankruptcy Code. 
A lawsuit in federal court for statutory damages, punitive damages, and attorneys fees for each willful violation of my legal rights. 

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 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: GA

Complaint narrative:
They closed my Cash App account without any warning, and I've never been given a second chance to reopen it. Every time I try to create a new account, it gets closed again. I really want my Cash App account back because that's how I send money to my kids. I understand that I can't use it for playing the lottery or gambling. Please give me a second chance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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:
I disputed multiple late payment accounts and unauthorized inquiries with the credit bureaus, but they failed to remove the inaccurate information despite my disputes being supported by valid documentation. The bureaus either verified the accounts without proper investigation or did not respond appropriately within the required timeframe. As a result, these inaccuracies continue to negatively impact my credit report, and I am seeking CFPBs assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-14 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: NY

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Newport Intermediate Inc.
State: FL

Complaint narrative:
I made a money transfer to my XXXX XXXX on XX/XX/year> of {$50.00} dollars and I have yet NOT received the money and the money is gone from my account already.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: NC

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: LA

Complaint narrative:
American Express XXXX XXXX XXXX XXXX New York, NY XXXX Subject : Immediate Demand to Reinstate Accounts, Credit Access, and XXXX XXXX XXXX XXXX XXXX XXXX Cards To Whom It XXXX Concern, This letter serves as a formal demand to immediately reinstate my accounts and provide the business credit card and XXXX XXXX XXXX American Express card that were unlawfully denied despite my legal rights as a secured party creditor. 
AMERICAN EXPRESS XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX American Express has engaged in unlawful and harmful actions by arbitrarily closing my accounts without justification, directly causing me significant financial harm and disrupting my ability to manage my affairs as the principal. These actions have resulted in **economic hardship, damage to my creditworthiness, and undue stress. 
By unlawfully restricting my access to financial resources, American Express has violated its fiduciary duty and engaged in bad faith practices that warrant immediate correction. I demand that American Express reinstate my accounts, remove any adverse credit reporting, and provide full accountability for these actions. 
Failure to comply with this demand will result in legal action for financial damages, regulatory complaints, and further escalation for unjust business practices. 
I. UNLAWFUL CREDIT DENIAL & ADVERSE ACTION ( 15 USC 1602 & 15 USC1961 On XXXX XXXX, XXXX, I applied for an American Express XXXX XXXX Card**, *, which was denied under **Reference Number : XXXX. ** On XXXX XXXX, XXXX *, I applied for an American Express XXXX XXXX XXXX XXXX XXXX which XXXX also denied under **Reference Number : XXXX. ** These denials violate : - **15 USC 1602 ( Truth in Lending Act - TILA ) ** : My social security number was used to secure these accounts, and denying me access is a violation of my consumer rights.

- 15 USC 1691 ( Equal Credit Opportunity Act - ECOA ) : Denying credit access without a valid reason constitutes credit discrimination and adverse action. ** Since American Express has no valid legal justification for these denials, I demand immediate issuance and full access to these credit accounts. 
XXXX. FAILURE TO HONOR LEGAL PAYMENTS & SECURITY INTEREST REVOCATION As previously stated, American Express received a 1099-A form as legal payment from the IRS for the following accounts : - **Account Numbers ending** XXXX XXXX - XXXX _ **Card Numbers : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Per UCC 3-603 ( b ) , once payment is tendered and refused, the obligation is discharged. American Express ' refusal to apply this payment is a fraudulent financial practice and misapplication of funds. 
Furthermore, I hereby REVOKE any and all security interests previously granted to American Express on these accounts, meaning American Express no longer has any legal claims over them

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am reaching out once again to formally request the removal of the items from my report that I previously requested to be removed. Despite submitting this request months ago, these items remain on my account. I would appreciate clarity on why this issue has not yet been resolved, as I have already provided all necessary documentation and details to support my request.

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 2025-03-14 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: CA

Complaint narrative:
I am formally reporting a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681, which mandates that credit reporting agencies take reasonable steps to ensure the accuracy and integrity of the information they report.

The inaccuracies in my credit report include incorrect account information, outdated information, etc. I have provided documentation supporting my claims to the credit bureaus, yet they have failed to rectify the errors or provide sufficient explanation for their actions.

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 2025-03-14 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: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

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 2025-03-14 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: LEXISNEXIS
State: NJ

Complaint narrative:
Upon checking my lexisNexis report there are numerous inaccuracies including someone elses information that does not belong to me. I have filed a dispute and even provided the necessary info asked of me and they continue to publish inaccurate information causing me financial harm. LexisNexis has stated on the following dates I filed Automobile insurance claims with these vehicles that I have never owned or operated. 


Automobile insurance claim dates XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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 kindly request that you update and validate the items I previously mentioned, as they are still incorrectly reported on my account. I have already provided all the necessary details for this XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


* XXXXXXXX XXXX XXXX XXXX Date opened XX/XX/XXXX * XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX * XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX * ONEMAIN XX/XX/XXXX * 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  2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 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: AZ

Complaint narrative:
I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/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

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 2025-03-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: AZ

Complaint narrative:
I am requesting the removal of these accounts and inquires that are unauthorized from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. Also for the removal of the inaccurate information on my personal information. 


* XXXXXXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX * XXXX - XXXX XXXX Date opened XX/XX/XXXX * XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX * XXXX XX/XX/XXXX * XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX * DISCOVER FINANCIAL SER XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 2025

Company response to consumer: Closed with non-monetary relief