vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-22 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: CA

Complaint narrative:
I am submitting this complaint pursuant to 15 U.S.C. 1681c-2 ( FCRA Section 605C ). I am a verified victim of XXXX  and XXXX, and federal law requires consumer reporting agencies and data furnishers to block and remove information within 4 business days that resulted from trafficking, identity theft, or exploitation. 

As documented in my XXXX  Victim Certification and third-party advocacy letter, the following accounts and inquiries did not result from my voluntary or authorized activity and were created, accessed, or reported during a period in which I was under coercion and exploitation. These items must be blocked, suppressed, and removed from my consumer reports within 4 business days and from any systems using or sharing this data. 

ACCOUNTS SUBJECT TO FCRA 605C BLOCK XXXX XXXX Account opened XX/XX/year>XXXX XXXX XXXX XXXX Account opened XX/XX/year> XXXX XXXX Account opened XX/XX/year> XXXX XXXX  Account opened XX/XX/year> XXXX XXXX XXXX XXXX ) Account opened XX/XX/year> XXXX XXXX Account opened XX/XX/year> XXXX XXXX Account opened XX/XX/year> XXXX  Account opened XX/XX/year> UNAUTHORIZED INQUIRIES RESULTING FROM XXXX  XXXX XXXX Inquiry dated XX/XX/year> XXXX XXXX  XXXX  Inquiry dated XX/XX/year> XXXX XXXX XXXX  Inquiry dated XX/XX/year> XXXX XXXX  XXXX  Inquiry dated XX/XX/year>

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 2025-12-22 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my third formal request to have the unauthorized accounts and inquiries on my credit report reviewed and corrected. These inaccurate entries have substantially lowered my FICO score, causing difficulties in maintaining my financial stability.

I am urgently seeking your assistance in resolving this matter, particularly as I am preparing to apply for a loan that requires a strong FICO score for eligibility. Your prompt attention to this issue would be greatly appreciated and would allow me to proceed with my financial plans without further detriment.

Thank you for your support and cooperation in correcting these inaccuracies.

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 2025-12-22 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: PA

Complaint narrative:
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 2025-12-22 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: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing because the information your company is furnishing regarding the account listed under XXXX appears to be inaccurate, incomplete, or unverifiable. As the original creditor, all information provided to any credit reporting agency originates from your internal records. Therefore, you are responsible for ensuring the accuracy, integrity, and completeness of the data being published. 
At this time, the information being reported including the Date of First Delinquency ( DOFD ) and other derogatory data does not appear to match the factual history of the account. Any discrepancy in the DOFD directly affects the reporting period and the negative impact on my credit profile.

Because the accuracy of this information is in question, I am requesting strict proof of all data you are furnishing to the credit bureaus for this account. 
1. Request for Strict Proof of the DOFD and Reporting Basis To verify the accuracy of your reporting, please provide : 1. the original date the account first became delinquent, 2. complete payment history establishing the DOFD, 3. any internal records, system notes, or documentation used to determine this date, 4. and the exact DOFD you furnished to each credit reporting agency.

If your records do not contain verifiable evidence of the original delinquency date, then any DOFD currently being reported is inaccurate.

2. Request for Verification of All Information You Furnished Provide a full breakdown of all information you have transmitted to the credit reporting agencies regarding this account, including : 1. account status, 2. payment history codes, 3. charge-off details ( if applicable ), 4. balance information, 5. any remarks or comments, 6. and all Metro 2 fields submitted.

This request is made to determine whether the data being reported is complete and supported by your internal documentation.

3. Request for Full Account-Level Documentation To validate your reporting and ensure accuracy, please also provide : 1. the original contract or account application, 2. complete and unaltered payment history, 3. full internal notes related to the management, placement, or adjustment of the account, 4. any charge-off documentation ( if relevant ), 5. and any account-level data used to support your reporting.

If you do not have these records, then the information being furnished may not be verifiable.

4. Opportunity to Correct, Update, or Delete Inaccurate Information If your internal review reveals : 1. inaccurate reporting, 2. incomplete records, or 3. unverifiable DOFD 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 non-monetary relief
Consumer complaint received 2025-12-22 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
The account reflects mixed reporting and secured-loan treatment raising questions under 15 U.S.C. 1681s-2 ( b ) and 15 U.S.C. 1638 regarding accuracy, disclosures, and lien authority

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XXXX XX/XX/year>, I applied for a new credit card, and was told that Experian had my account frozen. In checking with the company, I have found them unable to respond by voice to me : all their phone response trees seem to end only in referrals to their website. In trying that remedy, I could not log in, and there is no one to help with tech support to help that process. I was finally able, on XXXX XX/XX/year>, to speak to someone who told me that my account was unfrozen but locked, and that I needed to log in to unlock the profile online. But since I can not seem to log in, I can't unlock the profile. So, I feel stuck and with no place to turn. It is frustrating that I can not speak to a " specialist '' or any XXXX, and I now worry that I can not open any credit account or work with my financial status with my profile locked with no apparent way to unlock it.

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: AZ

Complaint narrative:
I am submitting this complaint regarding Wakefield & Associates , LLC and their handling of a medical debt collection account. 

I received a collection notice dated XX/XX/year>, from XXXX XXXX XXXX regarding an alleged medical debt of {$290.00} related to an XXXX  XXXX  visit at XXXX XXXX XXXX, reference number XXXX. 

I attempted to submit a written debt validation request via email ; however, my email was rejected by XXXX email server. The only alternative contact method offered requires submission of excessive personal information ( such as SSN, date of birth, and employer ) through an online portal before allowing a written dispute. I am not required to provide this information under the Fair Debt Collection Practices Act in order to request validation. 

I am requesting that XXXX XXXX XXXX provide proper written validation of the debt, including confirmation of the original creditor, date of service, itemized charges and credits, and confirmation of their authority to collect, without requiring unnecessary personal information. 

I am also requesting that all communication regarding this matter be conducted in writing only. 

Additionally, there is a known risk of consumer name confusion, as my mother and I share the same first and last name. I am requesting confirmation that this account is attributed to the correct individual. 

I am currently experiencing financial hardship and am attempting to address this matter responsibly and in good faith. 

I am requesting assistance in obtaining written validation and ensuring accurate handling of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Hello, I need to make a complaint about this bank because I feel Scammed from a enormous corporation, is incredible but my case is still appears as scam because have many many time waiting for my funds to receive on a respective refund check to be sent at my address on your records, let me explain why this situation appears a scam for me, long time on XX/XX/year> this bank just closed my account without any prior notice or notification but on my bank account balance on closure moment is about {$5400.00} that obviously as per bank rules and policies will need to send on mail a refund check to my address on records but nothing has been happened, so thats my point about feel scammed so my concern and complaint is just a explanation or cooperation from this bank to able to fix this situation and correct my sentiment about this unfair situation! 
I have understanding that is a right from your side to close my account but is a right on my side to receive my funds so I just need to request my funds on the respective check please!

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 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have asked multiple times for any information that you may have for this account with nothing provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing a complaint regarding Chase Travels failure to resolve a canceled international flight booked using Ultimate Rewards points on a Sapphire Reserve account. 

My business-class international flight on XXXX XXXX XXXX XXXX. I received written notice from XXXX confirming the cancellation and schedule change. Despite this, Chase Travel has stated for over two and a half weeks that it is waiting on a waiver code from the airline before rebooking or canceling the ticket.

During this period, I contacted Chase Travel six times. Each call involved a different agent, conflicting information about whether a case was open or being worked, and repeated promises of callbacks that never occurred. I was transferred twice to the escalation department without resolution. When I asked how to further escalate the issue, a Chase Travel agent stated that there is no way to escalate this issue, which is inaccurate.

Because this booking was paid entirely with Ultimate Rewards points on a Sapphire Reserve account, Chase is the merchant of record and has the ability and obligation to resolve this matter without unreasonable delay. Chases inaction has caused me financial harm as alternative flights on other airlines are becoming increasingly expensive. 

I am seeking prompt resolution, including either rebooking on a comparable itinerary or full reinstatement of my Ultimate Rewards points, and appropriate remediation for the service failure and delay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 2025-12-22 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: GA

Complaint narrative:
I am filing this complaint because Discover Card refused to reopen a billing dispute even after I provided new evidence. 
I made a purchase with my Discover credit card from XXXX for merchandise that I never received. The order was marked as delivered, but no package was received by me, no signature was obtained, and the merchant has not provided proof that I personally received the item. 
I contacted XXXX multiple times. XXXX advised me to contact my bank to dispute the charge, as they would not issue a refund. 
I then filed a dispute with Discover for item not received. Discover closed the dispute in the merchants favor. After the dispute was closed, I obtained additional evidence supporting that I did not receive the item and contacted Discover to request that the dispute be reopened. 
Discover refused to reopen or re-investigate the dispute, despite my request and despite the new evidence. Discover stated that the case was closed and that no further action would be taken. 
I believe Discover failed to properly investigate a billing error and failed to consider new evidence, which violates my rights under the Fair Credit Billing Act. I am requesting that Discover reopen the dispute, conduct a proper reinvestigation, and issue a credit for the charge related to merchandise I never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: FL

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding a fraudulent utility account reported by Helvey & Associates under account number XXXX in the amount of {$160.00}. This account is appearing on my credit report without my authorization or consent. I did not open or approve this account. This is a direct result of identity theft. The fraudulent activity began around XX/XX/XXXX and was discovered in XX/XX/XXXX. 

I have already submitted an FTC Identity Theft Report ( # XXXX ) and mailed dispute letters to all three credit bureaus. I also requested debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), but no original signed contract or chain of title has been provided.

This account is in violation of the following federal consumer protection laws : FCRA 605B ( 15 U.S.C. 1681c-2 ) Identity theft block FCRA 611 ( 15 U.S.C. 1681i ) Reinvestigation duties FCRA 1681e ( b ) Maximum accuracy obligation FCRA 1681i ( a ) ( 5 ) ( A ) Deletion of unverifiable info FDCPA 809 ( 15 U.S.C. 1692g ) Debt validation FDCPA 805 ( 15 U.S.C. 1692cc ) Unauthorized disclosure This continued reporting is harming my ability to provide for my family. It is outrageous, inhuman, and unlawful for this account to remain after official identity theft documentation has been submitted. My personal information was also exposed in the Equifax data breach, which proves the vulnerability of my identity.

I am requesting the immediate and permanent deletion of this fraudulent account from my credit reports. If Helvey & Associates can not provide full documentation with my wet signature, a complete payment history, and a valid chain of title proving their legal right to collect, this item must be removed without delay. 


Sincerely, XXXX XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, FL XXXX Email : XXXX Phone : XXXX Date : XX/XX/XXXXXXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have made repeated attempts to reach someone at this office to resolve my debt owed and nobody returns my calls. I have left messages for someone named XXXX, XXXX and XXXX multiple times with no return call. I spoke with a gentleman last week who informed me that the file was closed and they needed to contact the original creditor to see if they would like them to continue working on the account. They said they would call me back and never did. They took me to court and obtained a default judgment and moved for garnishment They ended up serving the incorrect employer, and their garnishment order was closed and expired on XX/XX/XXXX. We filed a bankruptcy in XXXX ; however we decided to dismiss this voluntarily and resolve debts on our own. I am trying to find out how much I owe and pay the amount due to avoid them attempting to garnish again ; however nobody will return my calls. I am no longer in bankruptcy and trying to resolve the debt. I am willing to pay what I owe, but can not make a payment if nobody returns my call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: TN

Complaint narrative:
On XX/XX/year> I received messages and emails posing as a fraud claims assistant with XXXX XXXXXXXX XXXX  The scammers impersonated the scripted XXXX XXXX claims team run down as well as locked card confirmation emails. I sent emails to FirstHorizonPhising.com. Ive been I. Contact with Cash App yet they have not emailed me since Monday and they said they would. Im disappointed in both of these institutions. The scammers coxed me into buying bitcoin as well as taking money from my XXXX account and sending to Cash app and taking that as well. The beginning call was at approximately XXXX am when I had an uneasy feeling about the call. Thats when I called the number I found on XXXX and the real XXXX claims team helped me. All of this is on a recorded line they say as well. As we are on the phone the scammers send a locked card confirmation email and the real associate says we dont do that. This is all while Im on the phone with the real associate. One of My accounts had {$770.00} in it and they transferred {$190.00} totaling to {$960.00} they transferred all but {$2.00} back to the other account which originally had {$380.00} which now had this account total at {$840.00}. They took multiple transactions then one grand total {$300.00} and {$430.00} leaving me with XXXX cent in this account. 

The other account was frauded a XXXX method and cash and bitcoin The main account was cash app. 
I was credited {$500.00} from the XXXX transaction but Im still missing {$270.00} in that account and the {$380.00} from the main account The XXXX payment from XXXX People is a good transaction the Payment to XXXX XXXX is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-22 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: IL

Complaint narrative:
I have already disputed these items directly with the credit bureaus. Despite providing complete documentation, the bureau flagrantly failed to conduct a thorough, reasonable reinvestigation as mandated under 15 U.S.C. 1681i. This neglect constitutes a clear violation of federal law designed to protect consumers from erroneous information. Under the Fair Credit Reporting Act ( FCRA ), I have the right to accurate reporting, and the bureaus are required to investigate and correct or remove any unverifiable 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