vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
XX/XX/year> Experian XXXX XXXX  XXXX and Any Other Credit Reporting Agency Re : Formal Dispute of Unlawful and Fraudulent Reporting Practices To Whom It XXXX Concern, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. Email : XXXX. 
I am writing to formally dispute the continued practice of allowing companies to report inaccurate, unlawful, and fraudulent late payments and over-the-limit transactions on my consumer credit files. 
This constitutes a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
XXXXXXXX XXXX XXXX and other applicable federal consumer protection laws. 
Specifically : - * * 15 U.S.C. 1681e ( b ) * * requires consumer reporting agencies to assure maximum possible accuracy of the information they report. Permitting companies to knowingly and willfully furnish inaccurate or misleading data regarding my payment history and credit limits is a direct violation of this mandate. - * * 15 U.S.C. 1681i ( a ) * * requires you to conduct a proper and timely reinvestigation when a consumer disputes the completeness or accuracy of information. I am advising you that I dispute * all * such late payment and over-limit notations, and I will not be listing accounts one by one. It is your legal obligation to investigate thoroughly and remove inaccurate items. - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate. The continued reporting of such information is fraudulent and unlawful.

Your failure to comply with these statutory obligations constitutes a violation of my * * civil rights and consumer rights * *, and subjects your agencies to liability under * * 15 U.S.C. 1681n and 1681o * *, which provide for actual damages, statutory damages, punitive damages, and attorneys fees. 
I demand that you immediately delete all fraudulent, inaccurate, and unlawful late payment and over-limit entries from my credit files. You have * * XXXX XXXX from receipt of this letter * * to bring your reporting practices into full compliance with the law. If you fail to do so, I will pursue all available remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil litigation for damages. 
I strongly urge you to fulfill your legal duty by conducting a complete and lawful reinvestigation. I expect written confirmation of full compliance within the timeframe stated. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: AL

Complaint narrative:
XX/XX/year> Experian XXXX XXXX  XXXX and Any Other Credit Reporting Agency Re : Formal Dispute of Unlawful and Fraudulent Reporting Practices To Whom It XXXX Concern, My name is XXXX XXXX XXXX, residing at XXXX XXXX XXXX XXXX, XXXX, Alabama XXXX. Email : XXXX. 
I am writing to formally dispute the continued practice of allowing companies to report inaccurate, unlawful, and fraudulent late payments and over-the-limit transactions on my consumer credit files. 
This constitutes a violation of my rights under the * * Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 
XXXXXXXX XXXX XXXX and other applicable federal consumer protection laws. 
Specifically : - * * 15 U.S.C. 1681e ( b ) * * requires consumer reporting agencies to assure maximum possible accuracy of the information they report. Permitting companies to knowingly and willfully furnish inaccurate or misleading data regarding my payment history and credit limits is a direct violation of this mandate. - * * 15 U.S.C. 1681i ( a ) * * requires you to conduct a proper and timely reinvestigation when a consumer disputes the completeness or accuracy of information. I am advising you that I dispute * all * such late payment and over-limit notations, and I will not be listing accounts one by one. It is your legal obligation to investigate thoroughly and remove inaccurate items. - * * 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) * * prohibits furnishers from reporting information they know, or have reasonable cause to believe, is inaccurate. The continued reporting of such information is fraudulent and unlawful.

Your failure to comply with these statutory obligations constitutes a violation of my * * civil rights and consumer rights * *, and subjects your agencies to liability under * * 15 U.S.C. 1681n and 1681o * *, which provide for actual damages, statutory damages, punitive damages, and attorneys fees. 
I demand that you immediately delete all fraudulent, inaccurate, and unlawful late payment and over-limit entries from my credit files. You have * * XXXX XXXX from receipt of this letter * * to bring your reporting practices into full compliance with the law. If you fail to do so, I will pursue all available remedies, including but not limited to filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and initiating civil litigation for damages. 
I strongly urge you to fulfill your legal duty by conducting a complete and lawful reinvestigation. I expect written confirmation of full compliance within the timeframe stated. 
Sincerely, __________________________ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXXThey are supposed to make sure that the disputes go through. I have disputed three times with this company through the U.S. Department of Education, XXXX XXXX XXXX, and now with the third company, XXXX XXXX XXXX  The first two loan servicers were saying paid off, which were U. S. Department of Education, XXXX XXXX XXXX and now the third company disputes which is XXXX XXXX XXXX My membership XXXX I have been paying a monthly fee of XXXX  a month, each month for XXXX XXXX XXXX to Experian XXXX. Please verify this important, personal, confidential matter, so that I can get a fair solution and continue to be fairly treated. It seems to me that I'm not getting the fair customer satisfaction that I need with Experian XXXX. Please truly verify and confirm. Talk with you soon. Hear from you soon. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: FL

Complaint narrative:
I received a copy of my credit report and noticed some unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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: VA

Complaint narrative:
I noticed I have XXXX hard inquiries thats on my credit which is identity theft. 
Ive been apart of XXXX data breaches and people has my information. 
Please delete these hard inquiries immediately.>> XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion experienced a data breach where my credit fell victim and multiple errors are now reported on my credit report I demand to have removed. A dispute has been filed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NJ

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Account Details : XXXX. XXXX OF XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I'm writing to dispute all the information I have on my FTC report as it appears on my credit profile and I am a victim of identity theft. Under the Fair Credit Reporting Act ( FCRA ), specifically Section XXXXB ( 15 U.S.C. XXXX ), if you're a victim of identity theft, I have the right to request the blocking of fraudulent information from your credit report within XXXX business days. Medical Debt from XXXX XXXX XXXX is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Block, Inc.
State: GA

Complaint narrative:
What happened : I made a purchase at XXXX on XX/XX/XXXX using XXXX as the payment method. I later returned the item, and XXXX confirmed the return was accepted and the refund was approved. 

Nordstroms customer service has confirmed in writing that they already issued the refund back to XXXX, and that they can not reissue the refund unless XXXX formally rejects it. I have attached Nordstroms email stating this. 

XXXX, however, has refused to process the refund. They closed my complaint ( Case Ref # XXXX ) on XX/XX/XXXX, stating they will not get involved because the order is older than XXXX  days. They told me to contact the merchant directly. When I escalated, they reaffirmed this position in writing. 

I am now caught between the XXXX companies : XXXX says the refund has already been issued to XXXX. 

XXXX says they will not release it due to their policy. 

As a result, I have not received the money that XXXX approved and XXXX received. 

This has been ongoing since my original return. 

What steps Ive taken : Contacted XXXX multiple times. They confirmed the refund was issued to XXXX and can not be reissued unless XXXX rejects it. 

Filed a complaint with XXXX. They closed it citing their XXXX policy, which does not resolve the fact that they are holding my refund. 

Sent XXXX a formal Notice of Dispute under their Terms of Service, Section XXXX. 

Supporting evidence : Nordstroms email confirming refund was issued to XXXX. 

XXXX final outcome letter closing my complaint. 

Documentation of the original order, return, and refund approval.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am following up regarding the complaint I submitted against National Credit Systems. I have now reviewed their response and must strongly disagree with the conclusions and statements they have made. While they claim the original creditor has validated the debt, I was never shown any original signed contract or proof that I agreed for my personal information to be shared with National Credit Systems or that I legally consented to any such account being forwarded to a third-party collections agency.

They have submitted a response claiming that they are collecting on behalf of a property management company, but I was not given clear documentation proving the legitimacy of this debt, nor was I properly notified at the time this account was opened or forwarded. Additionally, the documents they uploaded do not include a valid, original wet-ink signature from me, nor do they show any acknowledgment that I ever authorized this collection. Just uploading PDFs with screenshots and system records is not legal validation under the FDCPA and FCRA. 

It is extremely concerning that my sensitive personal information is in the hands of a third-party company without my direct knowledge or permission. That is a serious violation of my privacy and consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NC

Complaint narrative:
The XXXX XXXX  stated they have no record of me being responsible or associated with the account information that is being reported. I appeared in person and also disputed with them over the phone. This account is being reported to me in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: KEYCORP
State: OH

Complaint narrative:
On XXXX, I payed {$64.00} on my grandsons phone account at XXXX XXXX XXXX XXXX After hearing from my stepson that the XXXX account was not being used ( account was suspended ) my stepson said my grandson XXXX XXXX doesnt use the phone but rather uses an XXXX XXXX XXXX XXXX account. My grandson was scolded for trying to keep 2 phones on as it seems to be the case. After giving XXXX  my debit card info and having {$64.00} taken from my debit card, I called XXXX and told them to void transaction ( I have a right to void any transaction at anytime. When I called XXXX and requested my funds to be out back on my debit card ending in XXXX, XXXX with deception stalled and lied by saying theyll give me a reference # to get my refund back when the truth is XXXX never initiated a refund reference number at all. 1-3 days of asking for my funds back ended up being XXXX telling me its employee never started a refund reference number but rather an Investigation reference number ( not the same as refund reference # ). On my 3rd day of talking with XXXX I was told I had to go to my bank to try and get my {$64.00} back to my card because XXXX failed to process my transaction void just to keep my money. My bank KeyBank sent me a notice on XXXX saying it will reverse my funds on XXXX with absolutely no evidence to support any reason to do so. It is also suspicious that KeyBank took almost 3 months to investigate my issue with XXXX KeyBank also shows every bit of retaliation toward me because I filed numerous complaints in the past about KeyBanks discriminatory behavior toward XXXX which includes me a another blank person being denied proper help from my bank. All I wanted is KeyBank to not give my funds to XXXX XXXX XXXX XXXX due to the criminal behavior XXXX has shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
Credence began reaching out about debt they claim I owe for an XXXX XXXX XXXX account since XXXX. I have not had such an account or any communication with XXXX XXXX XXXX about services or debt. 
When I disputed the debt, they sent me a fraud packet with a deadline requesting sensitive information to be sent back to them. This seems highly suspicious.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-07 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:
All these accounts are effecting my credit report and score. It's causing a disrupting burden to my family. It's really effecting our lively hood and severely causing a drastically struggle. There's kids and babies involved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: FL

Complaint narrative:
XXXX vendors would not cease to charge the fraudulent charges to the Discover card. XXXX of the vendors was contacted at least twice to cancel the charges but did not do so. The other vendor could not be reached but charges continued even though Discover was notified this charge was a scam. Letters were sent to Discover card in both XXXX and XXXX and these letters were ignored by the Discover. In XXXX, a third letter was sent by XXXX Mail to Discover and they finally responded saying the fraudulent charges would be credited back pending review. Letters were then sent to Discover challenging these charges with background documentation. Discover has now decided to endorse these fraudulent thefts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: NV

Complaint narrative:
I previously submitted disputes and an identity theft block-and-delete request under XXXX XXXX. XXXX regarding a fraudulent account from XXXX XXXX XXXX. The account was initially removed but has since been reinserted on my credit reports as of XX/XX/XXXX without the legally required notice of reinsertion under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ).

The account is being reported inconsistently across the three CRAs, with conflicting dates of last activity : XX/XX/XXXX ( TransUnion ), XX/XX/XXXX ( Experian ), and XX/XX/XXXX ( Equifax ). Additionally, creditor remarks are inconsistent : TransUnion : Charged off as bad debt, profit and loss write-off Experian : Unpaid balance reported as a loss by the credit grantor. Consumer disputes after resolution Equifax : Charged off account This reinsertion without notice and conflicting reporting violates the Fair Credit Reporting Act, including 1681c2 ( identity theft block ), 1681i ( a ) ( 5 ) ( reinsertion without notification ), and 1681e ( b ) ( failure to maintain accuracy ).

Despite multiple disputes, the CRAs continue to report this account as if it has not been disputed, which is misleading and unlawful. I am demanding its permanent block and deletion along with all associated negative reporting. 

PLEASE SEE ATTACHMENTS BELOW

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-07 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My husband and I are filing this complaint because American Express failed to honor a written promotional offer and has refused to provide a written explanation despite multiple requests. 

On XX/XX/XXXX, my husband and I each separately purchased a XXXX XXXX XXXX ticket as required by an American Express promotional offer that promised a reward credit if the purchase was made by that date using XXXX  XXXX card. 

The reward credit was never issued to either of us. 

In XX/XX/XXXX, I filed a formal grievance with American Express on behalf of both myself and my spouse, requesting a written explanation. No written response was provided. 

On XX/XX/XXXX, I mailed a certified grievance letter to American Express demanding a written explanation for both accounts. American Express did not respond in writing. 

Instead, beginning XX/XX/XXXX, American Express began placing daily phone calls ( XXXX consecutive days ). XXXX message was left by XXXX XXXX XXXX from the XXXX XXXX ( XXXX ext. XXXX, EST XXXX ), asking me to call back. I declined to answer, because I clearly requested and required a written explanation for documentation purposes. After XXXX days of calls, the attempts stopped, but still no written response has been provided. 

As of today, XX/XX/XXXX, my husband and my grievance remain unresolved and American Express continues to ignore our written demand for an explanation

Company response to consumer: Closed with monetary relief