vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I recently gained access to my credit report and seen some inaccurate items and information. These errors have caused me great financial distress and im demanding proof of documentation showing permission consent with signature. Please help me in removing deleting these fraudulent accounts off of my report : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX -Date opened : XX/XX/XXXX -Balance Owed : {$1300.00}, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX  -Date opened : XX/XX/XXXX -Balance Owed : {$0.00} ; fraudulent inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX 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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Subject : Debt Collection Failure to Validate Debt / Continued Collection Activity Company : Halsted Financial Services Original Creditor : XXXX XXXX XXXX, XXXX. 
Current Alleged Owner : XXXX XXXX XXXX On XX/XX/year>, I sent Halsted Financial Services a certified dispute and debt validation request regarding an alleged debt they claim to be collecting on behalf of XXXX XXXX XXXX ( original creditor : XXXX  XXXX ). Halsted received and signed for the letter, as confirmed by XXXX return receipt. 

Despite being legally obligated under the FDCPA to cease all collection efforts until the debt was validated, Halsted sent me a follow-up collection notice via email on XX/XX/year>. They have failed to provide any of the required documentation validating the debt, including a copy of the original signed agreement, an itemized accounting, proof of ownership, or evidence that they are licensed to collect debts in California. 

This behavior constitutes a clear violation of 15 U.S.C. 1692g ( b ), as well as deceptive conduct under 1692e. I am requesting the CFPB investigate Halsted Financial Services for continuing collection activity without validation and potentially threatening to report inaccurate information to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I was given a {$500.00} American Express gift card, but I have been incapable of using said card since I first received it in XXXX. Looking for solutions, I browsed the FAQs posted on American Express 's website. Per their own literature, I was told that I could use the card at most major retailers ( e.g., XXXX ). Yet, no dice. I also tried to use the gift card balance ( {$500.00} ) to purchase another gift card -- no reason to waste anyone 's time with a complaint, right? Wrong. Customer service was also no help, as their solution is to parrot their online literature. 

My latest attempt at using the card for a major retailer was XX/XX/year>. It was for a ~ {$50.00} purchase ( attachment below ). 

Future AMEX gift card holders, beware. You'll be financially limited down to the last darned " d ''. You're better off with Visa.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
Contacted the consumer reporting agency in regards to improper reporting of a bankruptcy on my credit report. I disputed this claim and asked for proof. The reporting agency claims that the u.s. bankruptcy courts provided this information and verified it. I contacted the bankruptcy court officials and was informed via the courts that they do not provide court records to third party agencies.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: VA

Complaint narrative:
CONVERGENT OUTSOURCING is falsely reporting on my credit. I have never had any accounts with them. Per my research CONVERGENT OUTSOURCING is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: VALLEY NATIONAL BANCORP
State: NY

Complaint narrative:
Back in XXXX of this year, 2025, I wrote a check to the XXXX XXXX XXXX  for my father 's rent. I wrote the check from my personal bank account. The check was deposited to Valley National Bank and it was cashed and cleared. In early XXXX, I was told that the check was reversed and the funds was sent back to my account. I suppose the check was reversed because it came from my personal account, not my father 's. I've been going back and forth with my XXXX XXXX, who said that the funds were never returned, XXXX XXXX XXXX, who the check was written to and Valley National Bank, who cashed the check and they all keep passing the buck. In XX/XX/year>, I went to the Valley National Bank located at XXXX XXXX XXXX XXXX XXXX. I sat there with the representatives for over XXXX hours. They told me that once a transaction is reversed in their system, they no longer have a record of it. Initially, i believed them, until I spoke to my bank, which told me that that is not true, they must keep a record. The manager at XXXX XXXX XXXX  also sent me a document from Valley National Bank which shows the transaction. I also have a copy of the cashed check with Valley National Bank stamped on the back. They also told me that I should have my bank dispute the transaction but my bank told me that they don't dispute transactions unless fraud is involved. I went again, to Valley National Bank on XXXX XXXX on XX/XX/XXXX and spoke to the manager, XXXX XXXX. I was there for appx XXXX hour. He gave me the impression he would help, he even took my email address and emailed me after I left the bank, but before I left, he made sure to tell me that technically they close cases like this after 5 months. He also let me know that we were at the 5 month mark. Well, I've been emailing, calling and visiting the branch well before the 5 month mark and they have continuously been giving me the run around. He reached out to me on XX/XX/XXXX, after I left the bank and has never responded or reached out to me again. All I want is my money back and they won't help me or return my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
I did not initiate these accounts, which were clearly opened through fraud, and I am demanding their removal from my credit report under USC 1681g within 15 days.

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 2025-08-05 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: IL

Complaint narrative:
I am filing a formal complaint against TransUnion for willful noncompliance with the Fair Credit Reporting Act ( FCRA ) regarding a XXXX  XXXX XXXX account currently reported as a Charge-Off. 

This account has a {$0.00} balance but continues to report as Charge-Off, which is misleading and technically inaccurate under Metro 2 standards, causing ongoing harm to my creditworthiness.

TransUnion violations include : Blocking my access to my credit report and online dispute results, violating FCRA 609 ( a ) ( 1 ) and 611 ( a ) ( 1 ) ( A ).

Failing to conduct a meaningful reinvestigation after multiple certified disputes sent in XXXX, XXXX, and XX/XX/year>. 

Failing to provide the Method of Verification ( MOV ) or any original supporting documentation, in violation of FCRA 611 ( a ) ( 5 ) ( A ) and 611 ( a ) ( 6 ) ( B ) ( iii ).

Reporting inaccurate information ( {$0.00} balance with Charge-Off status ) and failing to maintain maximum accuracy, in violation of FCRA 607 ( b ) and 623 ( a ) ( 1 ) ( A ).

Failing to provide Metro 2/ AUD verification records proving the account is reported correctly and not re-aged or misclassified.

I requested : Original signed agreement Complete payment and charge-off history Delinquency/default notices Metro 2 / AUD compliance records IRS 1099-C if applicable TransUnion has not provided any supporting documentation and continues to report unverifiable and inaccurate information.

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 2025-08-04 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-08-04 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: VA

Complaint narrative:
The Fair Credit Reporting Act ( XXXX U.S. Code XXXX ) says ( XXXX ) 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 TILA XXXX Code XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XXXX  ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am filing a complaint against both XXXX XXXX XXXX XXXX  and Experian for continued reporting of inaccurate, unverifiable information on my credit report regarding account number XXXX. 

Details to include : - I previously filed a dispute with Experian on XX/XX/year>. They responded stating no changes were made. 
- The account shows conflicting or unverifiable data ( e.g., payment history, balance, account status ). 
- I submitted a Metro 2 audit and validation request to both parties but received no satisfactory verification.

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 2025-08-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SUN LOAN COMPANY INC.
State: OK

Complaint narrative:
I had paid sun loan off my twin sister went and open up another loan with Sunloan without my permission I had no clue until I was in the middle of trying to buy a home but I have several loan accounts open I have file report against her she is using my info and everything portraying to be me I paid sun loan off and she has been making payments from other accounts she stayed with me I had no clue I do not stay at XXXX XXXX XXXX XXXX XXXX XXXX that loan need to be removed from my credit I dont know how she even did that I am Trying get home that needs to be removed asap I look at my credit it has been paid but not by me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westlake Services, LLC
State: GA

Complaint narrative:
WESTLAKE PORTFOLIO XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research WESTLAKE PORTFOLIO XXXX  is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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:
To Whom It May Concern, I am writing to formally dispute a collection account reported by the following company : Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Reported : {$1600.00} Date Reported : XX/XX/XXXX Account Number : XXXX This collection account has been inaccurately reported on my credit file. I do not owe any debt to this company and have never had a financial obligation with this creditor. 

Furthermore, the balance referenced in the report was fully resolved through an insurance claim with XXXX in XX/XX/XXXX, under Claim Number XXXX. Therefore, no outstanding balance remains, and this account should not have been placed for collection. 

I request that this entry be thoroughly investigated and promptly removed from my credit report. Please provide all documentation used to verify the validity of this debt, as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: FL

Complaint narrative:
On XX/XX/XXXX, XXXX I asked XXXXXXXX XXXX XXXX to do their investigation and remove some accounts that are listed on my credit report that I have no knowledge of. On XX/XX/year> XXXX  updated my account with a noticed that the accounts were verified and would remain on my credit report. It has not even been 24 hrs since I filed dispute with XXXX  before I received that notice on XXXXXXXX XXXX is not doing an investigation on my dispute and I would love for them to do the proper investigation. There is no way that XXXX  conducted a dispute within such short time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
I received a letter from Linebarger Goggan Blair & Sampson , LLP stating I owed {$1200.00} for a XXXX Account # : XXXX for a car that was not registered to me at the time and was registered to XXXX XXXX. I never registered a vehicle in the State of Utah or Massachusetts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: VA

Complaint narrative:
On XX/XX/year> XXXX XXXX XXXX XXXX reported the auto account was over 30 days past due to my credit report cause the account to be flagged as delinquent, which led to my credit score to decrease.

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 2025-08-05 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: CBC Companies, Inc.
State: GA

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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: 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! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-08-05 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: AZ

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