vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : CFPB Ref No : XXXX Account Ending in : XXXX American Express XXXX XXXX To Whom It May Concern, This is in response to American Expresss continued attempt to validate the above-referenced account. Their response remains legally insufficient under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ).

Merely providing billing statements and an unsigned online application does not meet the legal standard for validation under 15 U.S. Code 1692g. Nowhere have they provided a signed contract or original instrument bearing my consent to the alleged debt. Furthermore, per 15 U.S. Code 1681s-2 ( b ), furnishers are obligated to conduct a reasonable investigation of disputes. Simply regurgitating previously sent documents without resolving core concerns is not reasonable. 

Additionally, reporting a charged-off account with a past due balance is misleading and inaccurate, violating FCRA 623. A charged-off debt is no longer collectible, and continued reporting as past due is deceptive. 

I am demanding the immediate deletion of this account from my credit reports due to their failure to provide adequate validation and their ongoing violation of my consumer rights. 

Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LEXISNEXIS
State: AL

Complaint narrative:
Subject : LexisNexis, XXXX XXXX XXXX Re-Reporting of Removed Bankruptcy and Inaccurate Mortgage Delinquency ( Violations of FCRA and Bankruptcy Code ) To the CFPB, I am filing this complaint against LexisNexisXXXX XXXX XXXX XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and relevant provisions of the U.S. Bankruptcy Code. LexisNexis, XXXX XXXX XXXX  is unlawfully reporting inaccurate and previously deleted information on my credit report without proper validation, notice, or legal justification. 

1. Inaccurate Mortgage Delinquency Reporting LexisNexis is inaccurately reporting my mortgage as delinquent. This is false and misleading because : I was under XXXX  XXXX bankruptcy protection, then granted a XXXX forbearance, and, filed XXXX XXXX XXXXankruptcy which was discharged. I am now in an active loan modification, having completed the required 3 trial payments.

Reporting this as delinquent violates : 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy 11
U.S.C. 524 ( a ) ( 2 ) A discharge injunction prohibits attempts to collect or report debts discharged in bankruptcy as delinquent 2. Reinsertion of Deleted Bankruptcy Without Notice My bankruptcy was removed from LexisNexis, XXXX XXXX XXXX after I submitted a verification letter from the U.S. Bankruptcy Court, XXXX XXXX XXXX Alabama. Nearly 18 months later, it has reappeared on my reports without any notice, validation, or dispute notification.

This violates : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) Prohibits reinsertion of deleted data unless certified as accurate and consumer is notified within 5 business days 11 U.S.C. 525 ( a ) Prohibits discriminatory treatment due to bankruptcy status I never received written notice, dispute results, or any certification of accuracy. The reinsertion of a previously deleted bankruptcy is illegal, harmful, and must be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: NJ

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened 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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to dispute a hard inquiry that appears on my credit report. I did not authorize this inquiry, nor did I initiate any application for credit with the company in question. I was not informed about this inquiry, nor did I give written or verbal consent for it to be made. 

Under the Fair Credit Reporting Act ( FCRA ), a company must obtain proper authorization before accessing a consumers credit report. Since I did not provide such authorization, I am requesting that the company provide proof of my consent or remove the unauthorized inquiry immediately. 

Please investigate this matter and take appropriate action to ensure my rights as a consumer are protected. 

Law 15 U.S.C 1681

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 2025-08-07 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/year> & XX/XX/year> I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: SC

Complaint narrative:
I did not authorize, consent to, nor initiate any transaction that would justify the access of my credit file by the entities listed below. These inquiries were made without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I WANT THESE FRAUDULENT XXXX  INQUIRIES BLOCKED AND REMOVED FROM MY CREDIT REPORT WITHIN XXXX BUSINESS 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 non-monetary relief
Consumer complaint received 2025-08-07 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-08-07 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: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

These inaccurate accounts are making it difficult for me to get a house for my family and to start my business.

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 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit report lists a XXXX  record that I believe is inaccurate or unverifiable Under XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX I am entitled to an entirely accurate credit report I am requesting a review of this XXXX  entry and if it can not be substantiated it should 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 2025-08-07 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:
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 2025-08-07 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: LA

Complaint narrative:
I have never had a car loan are any other loan with XXXX. XXXX XXXX  is stating that i do and they have not fww any information regarding the matter. I have made several attempts to get this resolved but I can not get the company to assist in the matter properly

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: CO

Complaint narrative:
I noticed on my credit report a collection from Sunrise Credit Services on XX/XX/year>. Upon contacting company and talking to a XXXX XXXX, was informed the debt in question is from XXXX. 

This matter has already been disputed with XXXX XXXX  and was found in my favor. Please see attached from bank. Additionally, please see chat with XXXX agent confirming refund to my account for {$60.00}, a partial payment for XXXX of {$9.00} and finally, please see charge from XXXX to my XXXX  account on XXXXafter I was no longer a customer for services not rendered for {$70.00} I dispute the amount XXXX is seeking. Per my documentation and charges, there is not any {$79.00} ever charged. I am requesting verification of said debt and if this company and the debt collector is valid to collect such debt? Also my credit score has decreased XXXX points due to this collection on my credit report. Finally this is my first and only communication with Sunrise. Not a letter/ phone call/ etc in regards to alleged debt.

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 2025-08-07 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: Grant & Weber
State: CA

Complaint narrative:
I am disputing an account being reported by Grant & Weber on my credit report. I do not recognize this debt and have not received any documentation validating the claim. I submitted a formal request under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ) asking for : A copy of the original signed agreement or contract A full itemized accounting of the debt Proof that Grant & Weber owns the debt or has the legal right to collect it Date and method of initial contact Despite my request, Grant & Weber has failed to provide any of the above documentation. This is a direct violation of FDCPA XXXX ( b ) and FCRA XXXX, which require verification and proper investigation when a consumer disputes a debt. 

The account continues to report negatively on my credit report, harming my creditworthiness. If the debt can not be validated, it must be removed. Reporting unverifiable debt is a violation of federal 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 2025-08-07 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: AR

Complaint narrative:
I am writing to formally dispute inaccurate and unauthorized information listed on my credit report. My personal information was compromised in a recent data breach, and as a result, several items have appeared on my credit report that I did not open and did not authorize. In accordance with the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires credit reporting agencies to maintain reasonable procedures to assure maximum possible accuracy of the information they report, I request immediate investigation and removal of the following entries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-08-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I am filing this complaint regarding Capital Ones handling of a dispute I initiated for an XXXX transaction. Despite providing substantial and well-documented evidence, the issue has been mishandled, neglected, and repeatedly closed without proper review. 
Specifically, I provided : A detailed written statement of events, The XXXX  receipt and confirmation code, Highlighted sections of XXXX XXXX XXXX XXXX, Safety Policies, and Honest Communication Guidelines relevant to the violations, References to U.S. laws that were broken during the XXXX stay, clear screenshots dated and times via XXXX XXXX XXXX XXXX of communications between myself and the host as well as myself and XXXX XXXX customer support, I provided email communications with XXXX XXXX and CEO as well, I also provided my clear attempt to get the refund myself from air bnb- the reasonable request to be refunded half the transaction amount.

Capital One has reopened and closed this dispute three separate times in one day, often closing it at odd hours ( e.g., XXXX XXXX XXXX XXXX XXXX ) which strongly suggests that no thorough review was ever conducted.

On one of the re-open attempts, Capital One incorrectly initiated a case for a completely unrelated transaction, which was then quickly denied and closed. This further demonstrates a lack of attention to detail and due process.

At this point, I feel my dispute is not being taken seriously, and I have exhausted reasonable efforts through Capital Ones internal channels. I am asking the CFPB to intervene to ensure this matter is properly reviewed and handled in accordance with consumer protection standards.

Company response to consumer: Closed with explanation