vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

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

Company 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 2025-09-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I believe I was scammed with this collection company named AidVantage. They claim to be with the department of education. I would like to have the company to cease and desist. 
Please help me. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MS

Complaint narrative:
XXXX XXXX Subject : Complaint Against Experian for Reporting Unverifiable XXXXXXXX XXXX XXXX XXXX Have Removed To Whom It May Concern at the CFPB, I am submitting this complaint and formal Intent to Sue against Experian for continuing to report an unverifiable XXXX  on my credit report in violation of the Fair Credit Reporting Act ( FCRA ) Experian is reporting a XXXX  XXXX XXXX  that they have failed to verify upon dispute. 
Both XXXX  and XXXX  have already deleted this same XXXX  from my credit file after I submitted disputes, citing inability to verify the information. 
Experian continues to report the XXXX  with a last update date of XX/XX/XXXX, and a projected deletion of XX/XX/XXXX, despite being unable to provide any verification. 
I have disputed this bankruptcy with Experian and requested documentation verifying the public record from the source ( i.e., the XXXX  court ), but they have not provided any supporting documentation or removed the entry as required under FCRA 1681i ( a ) ( 5 ). 
Violations : Experian is in direct violation of the following FCRA sections : 1681e ( b ) Failure to ensure maximum possible accuracy. 
1681i ( a ) ( 1 ) Failure to conduct a reasonable reinvestigation.

1681i ( a ) ( 5 ) Failure to delete unverifiable information. 
Their conduct is causing ongoing damage to my credit profile. 
Intent to Sue : If Experian does not correct this matter within 15 days, I intend to pursue legal action for : Willful noncompliance with the FCRA, Negligent failure to remove unverifiable information, Actual and statutory damages, along with punitive damages and attorneys fees. 
I am requesting the CFPBs assistance in compelling Experian to delete the unverifiable XXXX, as XXXX  and XXXX  have already done. 

My Experian credit report showing the continued reporting of the XXXX. 
Correspondence confirming deletion from XXXX  and XXXX  that I have provided and Prior dispute letters sent to Experian. 

Thank you for your attention to this serious matter. 
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 2025-09-11 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX American Express XXXX XXXX XXXX XXXX, NY XXXX Re : Dispute of Closed Accounts and Demand for Payment To Whom It May Concern, This letter serves as my formal notice of dispute under the Uniform Commercial Code ( UCC ) regarding all closed accounts bearing my name and/or Social Security Number XXXX 



Pursuant to UCC 3-501, 3-505, and 9-210, I hereby demand that you provide full accounting and verification for the following : XXXX. The original signed instrument ( XXXX ) that created any alleged obligation. 

XXXX. The full ledger and transaction history associated with each closed account. 

XXXX. Proof of claim that a lawful debt exists and is owed by me. 

XXXX. Identification of the party or entity that received consideration, funds, or benefit from said accounts. 



Failure to provide the requested documents constitutes an admission that no valid claim exists, that the accounts were improperly closed, and that no lawful debt is owed. 



Further, under UCC 1-308, I reserve all rights without prejudice, including the right to demand compensation for any unauthorized use of my credit, name, or financial information. If you are unable to produce the original instruments, I hereby demand immediate payment and restitution for all value derived from my accounts, including but not limited to credit extensions, securitization, or sale of instruments, payable to me in lawful money of the United States. 



If you do not respond within XXXX ( XXXX ) days from the date of this letter with full verification and payment, you will be deemed in default, and I will consider your failure to comply as a tacit agreement that the accounts were unlawfully closed and that restitution is owed. 



This notice is sent in good faith, with the intent to resolve this matter privately and lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
I am disputing the reporting of unauthorized and inaccurate accounts on my credit file. I never opened these accounts, never authorized them, and was never informed of their presence. The inconsistent reporting across the three bureaus is a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), which requires maximum possible accuracy in reporting.

This situation also violates 15 U.S.C. 1681i, which requires disputed information to be investigated and corrected or deleted within 30 days, and 15 U.S.C. 1681g, which guarantees my right to complete and accurate disclosures of my credit file. 

Supporting documents confirming my identity and evidence of the inaccuracies have been attached.

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 2025-09-11 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: CA

Complaint narrative:
I recently reviewed a copy of my credit report. I was more than shocked to learn that i have been a victim of identity theft. I found a account on my credit report that wasnt opened by me. This has been hurting me as I am in the process of purchasing a home for my family. I also discovered that my information had been exposed in the equifax data breach and I'll provide proof of that as well. Please remove this account from my credit reportand soon as possible. Thank you 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 2025-09-11 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: LA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-09-11 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: LA

Complaint narrative:
I do not have a contract with National credit adjusters. Nor I have I heard of them. I reached out to them and no response.

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 2025-09-11 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: NY

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 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  Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. 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 ( FTC NUMBER ) as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

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 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 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 2025-09-11 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: TX

Complaint narrative:
This situation has led to considerable stress and disrupted my sleep, which is especially frustrating given my diligent compliance with all payment obligations. Encountering problems for actions I didn't take feels unjust. I urge you to address this issue swiftly, correct any inaccuracies in my account, and help restore peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Chime Financial Inc
State: NV

Complaint narrative:
On XX/XX/year>, I attempted to rent a vehicle for a trip out of town. I used my Chime card to pay for the car, and XXXX asked and verified that my card was a prepaid credit card and accepted my payment to XXXX. Upon arriving at the location in XXXX IL, to pick up the vehicle, I was told to present the card used to purchase the rental and present my ID. 

XXXX then refused to rent me the vehicle because the card was a prepaid card. I requested a refund for the {$440.00} and was told that my money would be refunded. I contacted Chime to make them aware of the issue and was told over the phone by a representative on XX/XX/year>, to file a dispute. I spoke with XXXX and was reassured that my funds would be placed back onto my card due to the company not accepting Chime as a valid card. I waited for the time that my funds were stated to be placed onto my card, but the funds never came. I called XXXX and XXXX again, and they said they released the funds, and I should contact Chime because I was supposed to have received my refund within 7 days. After not being able to speak with Chime because they had my request open, XXXX and Chime kept bouncing me back and forth with XXXX. On XX/XX/year> Chime stated that my refund request was denied and to speak with XXXX. XXXX will no longer answer the phone and XXXX says they are waiting for Chime to authorize the release. It is now apparent to me that XXXX and Chime have stolen my funds. I never received any vehicle from anyone and was lied to for a month in a half about my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: IL

Complaint narrative:
On XX/XX/XXXX, My Discover credit card received a temporary credit from Discover of {$1000.00} due to an accidental reopening of a closed disputed case. On that day, I also received an email from XXXX informing me of a negative balance of {$1000.00} on my XXXX balance account. I contacted XXXX and learned it was due to Discover pulling {$1000.00} from XXXX on XX/XX/XXXX to compensate the temporary balance Discover put on my credit. 
I contacted Discover on XX/XX/XXXX to close the dispute and to reverse the transaction to XXXX. Discover closed the dispute as I requested and told me funds would be reversed back to XXXX. Discover also claimed that they sent XXXX a notification of closing this dispute and reversal of {$1000.00} since XX/XX/XXXX. 
I called and messaged XXXX and Discover to follow up till XX/XX/XXXX, XXXX insisted the transaction of reversing {$1000.00} from Discover to XXXX never showed on PayPals end, no pending or posted. And XXXX received no notification from Discover of closing the dispute or reversal of funds since XX/XX/XXXX. The last update from Discover was XX/XX/XXXX when {$1000.00} was pulled from XXXX. To prove such reversal ever happened, XXXX would need Discover to send supporting documents, including but not limited to ACH transaction ID. Documents exchange can be done through the two agencies back-office network, and Discover should be able to do so since Discover did contact electronically XXXX on XX/XX/XXXX. 
I called Discover on XXXX, however, Discover refused to send such documents to XXXX through network or any other channel, or give ACH transaction ID, or contact XXXX directly in any way. Discover said I can simply use my statement and the letter they sent by mail as proof. Discover claimed reversal of temporary credit on my balance proved XXXX received the funds. XXXX also claimed I should have received a letter by mail notifying me that the dispute is closed. But firstly, according to Discover customer service, the temporary credit is me receiving funds from Discover, not from XXXX. So, reversal of temporary credit meant Discover retrieved their own money from my credit card balance, but it didnt show Discover reversed funds to XXXX account, the one Discover pulled funds from on XX/XX/XXXX. And theres no ACH transaction ID on my statement or Discover website, which is what XXXX specifically requested. Secondly, I received no letter of Discover closing this dispute by mail or email. 
My XXXX negative balance was already due on XX/XX/XXXX and I received a collection call from XXXX, so I had to pay in full out of pocket.

Company response to consumer: Closed with explanation