vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: HANCOCK WHITNEY BANK
State: AR

Complaint narrative:
This letter serves as a formal Cease and Desist notice regarding the account you have reported to the credit bureaus under my name, XXXX XXXX. I dispute the validity and accuracy of this account and request that you : XXXX. Cease all collection activity and communication with me, except as allowed under the Fair Debt Collection Practices Act ( FDCPA ). 
XXXX. Immediately remove or correct any inaccurate, unverifiable, or outdated information you have reported to the credit reporting agencies in compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. Provide written verification and validation of the alleged debt, including a copy of the original contract or agreement bearing my signature, if you claim the debt is valid. 

Be advised that continued reporting of inaccurate or unverifiable information is a violation of federal law. Should you fail to comply, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office, and pursue any remedies available under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 am disputing inaccurate information on my credit report that is negatively affecting my ability to rebuild my financial stability. XXXX XXXX XXXX  accounts are being reported as charged off but still show balances owed, which is misleading and does not accurately reflect my true credit history.XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Reported : {$1900.00}

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 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
As a documented victim of the Equifax Data Breach and identity theft, I am invoking my rights under FCRA Section 605B ( 15 U.S.C. 1681c-2 ). This federal law requires the credit reporting agencies to block and remove all information resulting from identity theft, including negative collection accounts, hard inquiries, public records, and any other fraudulent accounts. I demand full enforcement of this statute and immediate removal of all such items from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: TX

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-08-26 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: DC

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. 

Accounts in Dispute : XXXX. XXXX  XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: CA

Complaint narrative:
I am submitting this formal complaint against Experian for multiple violations of the Fair Credit Reporting Act ( FCRA ) in connection with fraudulent accounts that remain on my credit report despite my repeated disputes and submission of legally sufficient documentation. The account in questionXXXX XXXX XXXX was opened fraudulently and is the result of identity theft. I provided Experian with a government-issued ID, proof of address, an FTC Identity Theft Report, and a signed statement under penalty of perjury, all of which satisfy the requirements under FCRA 605B . Despite this, Experian failed to block the fraudulent information within XXXX business days, as required by law. 
Furthermore, Experian has violated FCRA 611 ( a ) by failing to conduct a proper reinvestigation of my dispute within the XXXX statutory window. I also requested full disclosure of all information used to verify the disputed accounts, as permitted under FCRA 609 ( a ) ( 1 ) ( A ), but Experian has not provided this information. These failures constitute both negligent and willful noncompliance with the FCRA, entitling me to damages under 616 and 617.

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 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
The fair resolution is the permanent deletion and blocking of all fraudulent accounts and unauthorized inquiries listed in my complaint, as required under FCRA and related federal laws. I expect a corrected and updated credit report, along with written confirmation that these items have been removed. This must be completed within the legally required timeframe. 

If this resolution is not provided, I will have no choice but to escalate by filing formal complaints with the CFPB, FTC, BBB, and the Attorneys General, and I am prepared to pursue legal action for statutory and actual damages as allowed under the FCRA. 


Fraudulent Accounts and Inquiries ( Previously Disputed ) : XXXX. XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX XXXX. XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX SSN : * -- XXXX Date : XX/XX/XXXX To : National Credit Systems , Inc . 
P.O. XXXX XXXX XXXX, GA XXXX Re : Unlawful Collection Reporting National Credit Systems Account # : XXXX | Amount : {$27000.00} NOTICE OF DEMAND FOR IMMEDIATE CEASE & DELETION This is a formal demand that you cease all collection activity and delete any reporting of the above account from all consumer reporting agencies due to violations of federal law : 12 CFR 1006.34 ( c ) ( Reg F ) requires complete, accurate, itemized validation ( current creditor, breakdown of amount, date ( s ) of service, and documents sufficient for me to determine the debts validity ). A bill or statement is not legal validation. Provide the original signed lease or contract, itemized breakdown of charges, security deposit accounting, and full chain of assignment ( if applicable ).

12 CFR 1005.6 ( c ) ( EFTA ) limits consumer liability for unauthorized/erroneous transactions. Until you provide itemized proof that these charge
s were authorized, lawful, and properly posted, continued collection or reporting is unlawful.

15 U.S.C. 1681e ( b ) ( FCRA ) requires maximum possible accuracy. Reporting unverifiable, incomplete, or inflated data violates this standard.

15 U.S.C. 1681s-2 ( a ) prohibits furnishers from reporting information they know or should know is inaccurate. If you can not substantiate this debt as required, you must immediately retract and request deletion of any tradeline furnished. 
DEMANDS Provide full validation as described above within 15 days of receipt, or delete any reporting you have furnished and cease all collection efforts. 
If you verified this with a bureau, disclose who verified it, how, and with what documents. 
All future contact must be in writing only. 
Failure to comply will result in complaints to the CFPB, FTC, and the Illinois Attorney General, and I will pursue civil remedies for statutory damages for violations of the FCRA and FDCPA. 
This is not a refusal to pay ; it is a notice that your claim is disputed. Until you provide lawful validation, you are barred from further collection or reporting. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
It is extremely XXXX  to discover that I have been a victim of identity theft, with my personal information misused to create unauthorized accounts that I have never had any association with. Despite taking the proper steps, including filing an FTC Identity Theft Report as instructed by Equifax and sending it in for review, these fraudulent accounts remain on my credit report. This ongoing issue is not only frustrating but also deeply concerning as it directly threatens my credit and overall financial well-being.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 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:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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:
bXXXX XXXX\nXXXX\nXXXX\nXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX\n \nExperian XXXX XXXX XXXX XXXX XXXX\n\nSubject: Rest to Block and Delete Fraudulent Accounts  Identity Theft Victim\n\nDear Experian Consumer Services,\nI am writing to formally request the blocking and deletion of fraudulent accounts and information related to my identity under the Fair Credit Reporting Act (FCRA), specifically pursuant to 15 U.S.C.  1681c-2(a). I am a victim of identity theft because of the Experian data breach, and unauthorized accounts have been fraudulently opened in my name.\n\nThe fraudulent accounts that I have identified on my credit report are as follows:\n1.\tXXXX XXXX XXXX XXXX \n\nINQUIRIES:\n1.\tXXXX 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\n\nUnder 15 U.S.C.  1681c-2(a), I request that Experian promptly block and delete the fraudulent accounts from my credit file to prevent further harm to my credit profile.\n\nFurthermore, I request written confirmation that these accounts have been removed, as well as an updated copy of my credit report reflecting these changes.\n\nIf you require any further information or documentation to process this request, please contact me immediately at the phone number or email provided above.\n\nThank you for your prompt attention to this matter. I appreciate your cooperation in ensuring my credit report remains accurate and free from fraudulent activity.\n\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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation.

Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I opened a united airlines/chase cc I made simple purchases at first then on vacation I was denied a charge 4 times, while on the phone with chase I was told to try again this last time locked my card When home I tried to buy a simple cup of coffee, that was denied, so I then went to a Chase branch and was told give it some time Two days ago my lady who is an authorized user with a duplicate card was denied a purchase and Chase couldnt explain why, at that time after 5 denied transactions I closed this account.

I feel this card has serious issues and this shouldnt be allowed to reflect upon my credit from the short term

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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 am filing a complaint to dispute the reporting status of certain charge-off accounts currently appearing on my credit report. These accounts are listed as Profit and Loss Write-Off or Charge-Off. However, no IRS Form 1099-C has ever been issued to me, which is required by IRS regulations when a debt of {$600.00} or more is forgiven or canceled. Without the issuance of Form 1099-C, the debt has not been officially canceled, and continued reporting of a charge-off without active collection activity is misleading and damaging to my credit profile.

Please remove the following charge-off account that are inaccurately reported : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$4400.00} Additionally, I am requesting the removal of unauthorized credit inquiries that have appeared on my file. Pursuant to FCRA 619 ( 15 U.S.C. 1681q ), no credit inquiry may be made without a permissible purpose. If you can not provide documentation demonstrating that these inquiries were authorized by me or permissible under law, they must be deleted immediately. 
Inquiries to be removed : XXXXXXXX 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 2025-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
After several weeks of disputing my claim from American Express travel, they approved my claim and denial was overturned however, in order for me to receive a check, I need to forfeit my travel credits from XXXX how ever XXXX XXXX isnt able to forfeit the credits so I can receive a check from the claims department I have to wait until XX/XX/XXXX to receive a refund check I have the claim adjusters name who approved my claim. And number XXXX ( XXXX ) XXXX American Express missed informed me thats why my claim was approved and overturned in my favor My purchase date was XX/XX/XXXX total of {$2200.00} how ever Im still having issue with this matter I was advised the wrong info by a representative and If I was informed correctly I wouldve had my eX Fiancs pay me back for the trip and I wouldnt be going through this I Appreciate you your time reading this hopefully I can get this matter resolved feel free to call or email XXXX but again the whole issue is that I was advised something in the very beginning and it was wrong information. American Express did a A-to-Z. Dispute and found the claim in my favor I have a pending dispute and a call look up with the American Express travels im being penalized because I was misinformed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Attn : Consumer Center XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : Request for Deletion/Reinvestigation of Bankruptcy Record XX/XX/XXXX Dear XXXX XXXX Department, I am writing to formally dispute the accuracy and legality of the bankruptcy record being reported under my personal file. This dispute is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i and other applicable laws. 

The following item is being reported inaccurately and/or without proper verification : Public Record Type : Bankruptcy XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX Date : XX/XX/XXXX Case Number : XXXX My Dispute Basis : Lack of Direct Verification : The FCRA requires that all information in my consumer file be verified with the original source. Bankruptcies are not reported directly to you by the court ; instead, you obtain this data from third-party vendors or through electronic scraping, which is not a verified source.

No Consumer Reporting Authorization : The U.S. Bankruptcy Court does not report bankruptcies to XXXX or any credit reporting agency, nor do they authorize you to collect and disseminate this information. 

Potential Violation of FCRA 607 ( b ) : You are required to maintain reasonable procedures to assure maximum possible accuracy. Without direct court verification and a documented chain of custody for the information, the accuracy and completeness can not be guaranteed. 

Violation of FCRA XXXX : If you can not obtain original source documentation with my signature or court validation proving the completeness and accuracy, you are obligated to delete the record. 

My Demand : Pursuant to the above laws, I am demanding the following : A complete reinvestigation of this bankruptcy record within 30 days of receipt of this letter. 

Written proof of the method of verification, including the name and contact information of the person or agency who verified the data directly with the court. 

If you can not provide direct verification from the original source, you must delete this bankruptcy record from your system and send me an updated copy of my file reflecting the deletion.

Please note that failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney General. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-26 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation