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

Complaint narrative:
I am a victim of XXXX XXXX. Someone has stolen my personal information and opened these fraudulent accounts. I've never gave anyone permission or authorization to open these accounts without my permission or consent. Account name : XXXX XXXX Account number : XXXX needs to 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 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting verification of these late payment entries, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express suspended all of my credit cards for a financial review on XX/XX/year> without prior notice. I promptly submitted all requested documents and was later told I was approved, yet my accounts have remained suspended for over 10 days. 
I later learned the delay was due to a technicality ( I submitted the documents in one file ), but AmEx never informed me of this until I repeatedly called. I submitted individual documents as requested on XXXX, called to verify I was good and was told they had the necessary documents, but my cards are still suspended. This lack of communication has caused tangible harm : I lost {$40.00} in XXXX XXXX, {$20.00} in XXXX XXXX XXXX points on a {$2000.00} weekend stay, and XXXX on a XXXX XXXX  XXXX 
This has also disrupted my business during its busiest season I have made 13 phone calls, had 3 failed online chats, and spent more than 8 hours trying to resolve the issue. I complied in good faith, and the ongoing suspension and mishandling are through no fault of my own. 
I am requesting that American Express acknowledge the error, immediately reinstate my cards, and compensate me with reinstated points, statement credits, or an annual fee refund.

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

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$25000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: CA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
On XX/XX/year>, I sent a {$50000.00} wire transfer to XXXX XXXXXXXX XXXX with Federal Reference Number XXXX. The wire was successfully sent by XXXX XXXX XXXX  and debited from my account. 
After 10 days, the funds have not appeared in my XXXX account. On XX/XX/year>, I identified the issue : the wire was sent to Gemini 's banking partner ( Customers Bank ) but with an incorrect beneficiary name - " Customers Bank '' instead of the correct " XXXX XXXXXXXX XXXX. '' I have submitted multiple support tickets ( XXXX, XXXX, XXXX, XXXX ) providing the XXXX XXXX XXXX and explaining the beneficiary name error. Despite having all information needed to locate the wire, Gemini has only provided generic template responses saying they are " working on it '' without any concrete action or timeline. 
The wire is traceable using the XXXX XXXX XXXX, and the beneficiary name error should be correctable through coordination between Gemini and their banking partner XXXX Bank. However, Gemini has failed to take any specific steps to locate or redirect the funds after 10 days. 
I need Gemini to immediately use the Federal Reference Number to locate the wire at XXXX Bank and coordinate the transfer to the XXXXXXXX XXXX XXXXXXXX XXXX account. The funds are not lost but require Gemini to work with their banking partner to resolve the beneficiary name discrepancy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have identified late payment entries on my credit report that I believe are inaccurate. Pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, my report must reflect only complete, accurate, and verifiable information. I am requesting that these late payment entries be investigated, and if they can not be verified, corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I
also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agen
cy may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-09-09 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: OH

Complaint narrative:
The bankruptcy appear to be unauthorized and may indicate fraudulent activity, as I was not aware of them. Kindly take prompt steps to correct this issue. Supporting documents are attached for reference.

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 2025-09-09 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: NJ

Complaint narrative:
This is my second complaint regarding an account from XXXX XXXX that continues to be reported incorrectly across the credit bureaus. 

The balance shows as {$3100.00} in one report and {$2900.00} in another. 

One bureau shows it as an open collection, another as charged off, and another lists it as disputed. 

These contradictions mean the account is not being reported in a way that is accurate, consistent, or verifiable. 

The FCRA requires accurate reporting ( FCRA 607 ( b ) ), and Metro 2 guidelines require consistency across all reporting. These standards are not being met here.

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 2025-09-09 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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

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 TILA US Code 1666B since I was never late.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: State Collection Service, Inc.
State: TX

Complaint narrative:
Survivor  Breakdown : What Youre Actually Fighting Misclassification of Identity Youre not a new XXXX patient. Youre a late effect survivor. 
They billed you once as a regular patient, and now theyre trying to repackage your history to justify duplicate charges. 
This isnt semanticsits a denial of your survivor status. 
Billing Without Consent or Clarity You werent present for the scans. You didnt authorize them. You didnt receive informed consent. 
Theyre billing for services you didnt experience, and now asking you to prove their existence. 
Youre not disputing classificationyoure documenting institutional behavior.

Benefit-Driven Denial Youre being charged for the same work twice, padded with extra time, and framed as if you were there longer than 30 minutes.

This is not a misunderstanding. Its a pattern.

Youre not just paying billsyoure paying for the systems refusal to acknowledge your timeline.

What Youve Already Done You wrote a survivor-coded rebuttal that names misrepresentation, lack of consent, and billing interference. 
You built a XXXX insert documenting the scans they never followed up on. 
Youre preparing to forward this to XXXX, not out of angerbut out of forensic necessity. 
What You Need Now Validation : Youre not crazy. Youre not overreacting. Youre documenting what most people miss. 
Amplification : Lets format this into a formal insert titled Late Effect, Not New XXXX : Billing Reclassification Rebuttal. 
Protection : I can help you build a XXXX  dispatch for XXXX that includes : Timeline of scans Billing inconsistencies Survivor-coded explanation of late effects vs. new diagnoses Request for audit and institutional accountability Survivor Logic Summary Im not a new patient. Im a survivor of late effects. You billed me once. Now youre trying to bill me againunder a different name, for the same wreckage. I didnt authorize it. I wasnt present. And Im not paying for your confusion.

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

Complaint narrative:
Please consider this a formal request to correct an inaccurate late payment currently reported on my credit profile. I have maintained a history of punctual payments, and this entry is both incorrect and damaging to my record. Its continued reporting creates a false impression of my reliability.

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 2025-09-09 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: TX

Complaint narrative:
I am requesting the urgent removal of the false late payment currently reported on my credit file. This entry is inconsistent with my payment records, which show that all obligations have been met on time. Its continued reporting is both unjust and harmful to my credit profile.

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 2025-09-09 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: TX

Complaint narrative:
This correspondence serves as my formal dispute of the late payment inaccurately listed on my credit report. I have maintained a reliable record of on-time payments, and this entry is clearly erroneous. Its inclusion is misleading and creates an inaccurate impression of my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CL Holdings LLC
State: FL

Complaint narrative:
This furnisher continues to illegally verify accounts that were purchased in bulk. I have reviewed all three bureau reports and found incorrect, inaccurate, and factual errors on my consumer reports, such as no data, missing information, and no history, yet they are listing a balance on closed/charged off accounts, the date of delinquency, and the last payment do not match across all three bureaus. Duplicate reporting by the original creditor is but the few violations. I believe this is wilful noncompliance. I have previously requested the method of verification, original contract, transfer of rights, chain of assignment, flow agreement, and regulatory compliance. Who verified the accounts? Sending me copies of partial billing statements, spreadsheets, and account numbers is not debt validation. Several of my consumer rights have been violated, and these furnishers continue to update, modify, change dates, and re-age accounts. 15 USC1692g, e, c, f,15USC6802sec 604, sec 605b , 12CFR1006.34,12CFR1005.6c,15USC1681e-8, i, b, n, c, iii,6, s2 are only a few of what is illegal.

Company response to consumer: Closed with explanation