vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MO

Complaint narrative:
The student loan should not be on my credit reports.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-19 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: TX

Complaint narrative:
XXXX XXXX is reporting inaccurate information to the credit reporting agencies. This inaccuracy includes payment history reporting. The company continues to report payment history two years after the charge off date which continues to reflect as recent payment activity, conflicting reporting in the last activity date, closed date and reporting credit utilization on a charged off account which are clear violations of the fair credit reporting act and Metro 2 reporting standards.

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 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX - I was never late on this account, please remove late payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX - I was never late on this account, please remove late payment history.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-06-19 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Date : [ Insert date ] Experian Dispute Department XXXX XXXXXXXX XXXX XXXX, TX XXXX Subject : Formal Demand for Immediate Deletion of Unauthorized Hard Inquiries FCRA Violations To Whom It May Concern, I am writing to you as a consumer fully aware of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. After carefully reviewing my credit report ( Report XXXX : XXXX ), dated XX/XX/year>, I have identified multiple hard inquiries that were not authorized by me and must be removed immediately. 

Disputed Inquiries : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX Basis for This Dispute : Under the FCRA, a credit bureau may only include a hard inquiry if there is a permissible purpose as defined in 15 U.S.C. 1681b. For a company to have such a purpose, one of the following must be true : I must have given written or verbal authorization, or I must have initiated a credit or service relationship with the company.

I did not apply for credit, initiate services, or authorize any transactions with the companies listed above. Therefore, these entries represent a direct violation of 15 U.S.C. 1681b ( f ), which makes it illegal to obtain a credit report without a permissible purpose.

Additionally, your agencys failure to verify the legitimacy of these accesses constitutes a violation of your obligation to maintain accurate and verifiable information under 15 U.S.C. 1681i and 1681e ( b ).

Formal Demand : I hereby demand the immediate and permanent deletion of these unauthorized hard inquiries. Any failure or delay in doing so will be considered gross negligence and may result in civil action pursuant to 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice prior to potential legal action.

Please provide written confirmation of the deletion of each disputed inquiry within the 30-day period required by 15 U.S.C. 1681i ( a ) ( 1 ). 

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 2025-06-19 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: KY

Complaint narrative:
Subject : Complaint Against Experian Request for Method of Verification After Dispute Resolution ( FCRA Violation ) To Whom It May Concern, I am submitting a formal complaint against Experian for failing to comply with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ), which grants me the right to request the method of verification after a credit dispute has been resolved. 

On XX/XX/2025, I filed a dispute with Experian regarding an account that I believe is inaccurate. Experian responded by stating that the account was " verified and updated '' on XX/XX/2025, and did not make any changes to the information on my credit report. 

Under the FCRA, I have the right to request the method used to verify disputed information, including : A description of the procedure used to verify the information, The name, address, and telephone number of the party who furnished the information. 

At this time, I am exercising that right and am requesting that Experian provide this information. Since I have not yet received this information from Experian, I am requesting that the CFPB assist in facilitating a response. 

Experian is obligated by law to provide this information within 15 days of the request, and I am asking that this process begin as soon as possible. 

I am requesting the CFPBs assistance in ensuring Experian complies with this federal requirement and provides the requested verification details promptly. 

The Account was deleted off my Transunion report on XX/XX/2025 The Account was deleted off my Equifax report on XX/XX/2025.

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 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Revco Management, LLC
State: MI

Complaint narrative:
To : REVCO Solutions RE : Reference # XXXX | XXXX XXXX XXXX Bank Account # XXXX Amount : {$3600.00} From : XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX, MI XXXX Date : XXXX To Whom It XXXX Concern, This letter serves as a formal dispute of debt, request for validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), and a Cease & Desist under 15 U.S.C. 1692c ( c ) regarding the above-referenced account. 

Please be advised that I am a victim of identity theft, and I have no knowledge of or affiliation with this alleged debt owed to XXXX XXXX XXXX Bank, nor have I ever opened or authorized this account ( Account # XXXX ). This alleged debt in the amount of {$3600.00} is the result of fraudulent activity and was not incurred by me. 

In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and FCRA ( 15 U.S.C. 1681g, 1681s-2 ( a ) ( 6 ) ), I demand the following actions : 1. Immediate Debt Validation ( FDCPA 809 ) You must provide : The full name and address of the original creditor.

A full breakdown and accounting of the alleged debt. 

A copy of any agreement bearing my signature. 

Documentation verifying my liability for the alleged debt. 

Chain of custody and assignment details of the account. 

If you can not provide this within 30 days, you are legally obligated to : Cease all collection activities, and Remove any negative reporting from all credit bureaus ( Experian, Equifax, and TransUnion ) per 15 U.S.C. 1692g ( b ). 

XXXX. XXXX & XXXX XXXX immediately, I demand that you cease all phone calls, emails, letters, and any communication in any form under FDCPA 805 ( c ). Any further communication, other than verification or notice of termination of collection efforts, will be documented as a violation and reported to the Consumer Financial Protection Bureau ( CFPB ) and the Michigan Attorney Generals Office. 

Case Law Supporting My Position : Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) : A consumer has the right to dispute a debt and require validation before any further collection activity.

Camacho v. Bridgeport Financial , Inc., 430 F.3d 1078 ( 9th Cir. 2005 ) : Debt collectors must cease collection efforts until proper validation is provided.

FTC v. Check Investors , Inc., 502 F.3d 159 ( 3d Cir. 2007 ) : Misrepresenting or continuing collection on unverified debt is a violation of the FDCPA. 

I reserve the right to take further legal action if this matter is not resolved in compliance with federal law. Please send all correspondence related to this dispute to the mailing address listed above. You are also prohibited from selling or transferring this account while it is under dispute. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: ME

Complaint narrative:
My long standing credit card was closed. I contacted the credit card XXXX, XXXX through citizens bank and asked the reason. No one could give me information as to why. This closure is going to affect my credit bureau score. I was rarely late with a payment and used the card responsibly. I would like to know what part of the agreement I was violating

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: CL Holdings LLC
State: TX

Complaint narrative:
I do not recognize the acount listed below, and it is aresult of identity theft and fraudulent activity. The unauthorized account. 

Jefferson Capital Systems LLC Account : XXXX Amount debt : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: FL

Complaint narrative:
" I reviewed my consumer report and informed your agency on [ insert the date thats on the last letter ] about the items I disputed. Despite this, the issue remains unresolved in a manner that is fair and equitable to me as required by the FCRA. I sent a notice to your agency, including a FTC Identity Theft Report, and also filed a complaint with the Consumer Financial Protection Bureau CFPB. With this letter I have also included a FTC Affidavit to further substantiate my claim.

Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information.

Your agency has clearly refused to follow the law and honor my previous request so I am requesting a reinvestigation and demanding your agency to explain your METHOD OF VERIFICATION in verifying these items, pursuant to the Fair Credit. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AL

Complaint narrative:
I am requesting that the Consumer Financial Protection Bureau review this matter and ensure that the credit reporting agencies and/or furnisher comply with federal law, including but not limited to 15 U.S.C. 1681c2, which requires the blocking of information resulting from identity theft or fraud. 

This information is negatively affecting my credit score and my ability to obtain housing, credit, and other essential services. 

Please investigate and assist in having this item corrected or removed as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
My VNB debit card was compromised on XXXX There were several debit in XXXX  and XXXX  over that time period several amounts totaling {$1000.00}. 

I contacted the bank several times and also the police and they keep saying that I used the card I would not be going through all of this if these were my purchases I have a list of everything

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

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 2025-06-19 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: NC

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 formal complaint against American Express regarding the abrupt and unexplained closure of all of my credit card accounts, including both personal and business cards, as well as the immediate forfeiture of a substantial amount of rewards points all without any prior notice, explanation, or opportunity for recourse. 

I have been a responsible American Express customer since 2015, holding a total of XXXX ( XXXX ) credit card accounts over the years, across both my personal and business finances. I have always used my cards responsibly, maintained excellent payment history, and consistently paid my balances in full and on time. My credit score remains in excellent standing ( over XXXX ), and I have no negative items on my credit report. 

Recently, American Express suddenly closed all of my accounts, with no prior warning. These closures were across both personal and business credit cards, which now directly affects my ability to manage cash flow and conduct routine business operations. When I contacted American Express for clarification, I was repeatedly told that no specific reason could be provided, and that the decision was final. 

Additionally, all of my accumulated rewards points representing years of earned value were immediately removed without notice or the opportunity to redeem them. My requests to have the points reinstated or credited were denied, again with no meaningful explanation. 

This situation has resulted in : Disruption to my business activities and cash flow, Loss of earned rewards, Potential negative impact on my credit score due to changes in credit utilization, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-19 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 
"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MI

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 response to consumer: Closed with explanation