vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-17 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
We purchased a set of appliances for a whole home remodel from XXXX on our American Express XXXX card on XX/XX/XXXX for {$26000.00}. Our demolition began in late XX/XX/XXXX, but the construction did not finish until XXXX XXXX. We took delivery of some of the appliances from XXXX in XX/XX/XXXX but were told that the XXXX sets of laundry appliances ( XXXX and XXXX stacked washers and dryers ) on the truck were damaged and would not be taken off the truck and delivered. We were told by the driver that they would come the following week. The appliances were not delivered the following week and we were told again that they would come the next week. This was the same every week until XX/XX/XXXX when we were told that XXXX has closed its doors without notice. We contacted our XXXX who directed us to AMEX. We contacted AMEX in early XX/XX/XXXX about our dispute with the retailer. On XX/XX/XXXX, XXXX declared bankruptcy. We attempted multiple times from XX/XX/XXXX until XX/XX/XXXX to get AMEX to respond to our claim for a credit back for the undelivered appliances, {$6000.00}. AMEX kept declining our requests for varied ; first they stated we were asking for {$26000.00}, and {$20000.00} ( a separate purchase on XXXX/XXXX/XXXX-goods delivered ) and {$1100.00} ( a separate ouches on XXXXgoods delivered ) which we have never asked for our contested as we took delivery of most of the purchased appliances. AMEX will not acknowledge verbally or in writing that we are requesting a refund of solely the undelivered sets of laundry appliances, {$6000.00}. They reject our claims due to the amount of time having passed, which is greater than XXXX  days from the time of purchase, despite the fact that our renovation took longer than XXXX working days to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-17 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: GA

Complaint narrative:
I need your help investigating accounts from companies that have inaccurately reported late payments. After reviewing my credit report, I found certain accounts showing late payments that should not be there. There should be no late payment remarks on these accounts. Please remove these remarks and update the accounts to reflect a positive status as agreed.

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 2025-04-17 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

ALL of my personal information and identity was compromised through these following Data Breaches from year 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 

The criminals who have stolen my identity have been able to unlock/unfreeze my credit report so that they may use my information without me or any of the credit bureaus being alerted that they have been accessing and using my information, ILLEGALLY. I've been reporting EVERYTHING to all XXXX credit bureaus for YEARS, however, they've failed to comply with little or no progress in removing any of these fraudulent items and inquires from my credit report, purposely damaging my credit score. 

It was only until XXXX days ago that the only thing they have done so far after all these years of waiting for them to remove everything is to put a freeze/lock on my credit report. I have been fighting with the all XXXX credit bureaus and collection agencies since then.

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 2025-04-17 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 am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

ALL of my personal information and identity was compromised through these following Data Breaches from year 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 

The criminals who have stolen my identity have been able to unlock/unfreeze my credit report so that they may use my information without me or any of the credit bureaus being alerted that they have been accessing and using my information, ILLEGALLY. I've been reporting EVERYTHING to all XXXX credit bureaus for YEARS, however, they've failed to comply with little or no progress in removing any of these fraudulent items and inquires from my credit report, purposely damaging my credit score. 

It was only until XXXX days ago that the only thing they have done so far after all these years of waiting for them to remove everything is to put a freeze/lock on my credit report. I have been fighting with the all XXXX credit bureaus and collection agencies since then.

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 2025-04-17 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: NY

Complaint narrative:
XXXX account on my credit report Hi, I saw a XXXX account pop up on my credit report, and honestly, Im still trying to figure out what happened with it. I didnt know it had gone to collections or turned into a problem. Its not something I was managing, and I dont think it should be on my report like that. 

Can you please take a look and remove it? 

I send u ssn + id + proof of address + ftc report for verification. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: MI

Complaint narrative:
Removal of payment history and account due to overall credit history and report

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 2025-04-17 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-04-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Newport Intermediate Inc.
State: CA

Complaint narrative:
I received a prepaid XXXX XXXX in XXXX of XXXX in the amount of {$840.00} issued by Mypaymentvault. ( The funds were earned from an employee health benefit over several years through XXXX XXXX, now XXXX - who issued the funds through MyPaymentVault ) I was unaware they could expire the card, and when I tried to use the card on XX/XX/XXXX of XXXX, I was told it expired on XX/XX/XXXX. I've been unable to speak to any humans- all I get as a response that my card is expired. I am under the impression that funds issued on a pre-paid visa don't expire. The company has my {$840.00} and is completely opaque- I've been unable to reach anybody for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: NV

Complaint narrative:
This notice of dispute regarding the accuracy of information being reported in connection with a charge-off account under my name. I am disputing this account on the grounds that it is inaccurate due to the securitization of the receivable, which has altered the ownership and accounting of the alleged debt. 
Under 18 U.S.C. 892 & 894, any attempt to collect on an unenforceable or securitized debt without legal standing may be construed as an extortionate extension of credit. XXXX is attempting to use an unenforceable agreement and incomplete records to bring an adverse action against the Claimant, which XXXX constitute a violation of federal law. Additionally, please be advised that this matter is currently in active litigation through a formal arbitration process, under case number XXXX, XXXX Bank XXXX XXXX XXXX XXXX. Pending the outcome of this legal proceeding, I request that all adverse reporting and collection activities be suspended and the account be marked as 'In Dispute '.

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 2025-04-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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: NY

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I gave my social security number to a scammer saying he was with capital one auto financing. I called and gave him all my information about my vehicle and when I got done it didnt sound right and asked for a manager to find none available. I looked the number up and was not capitol one auto financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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: AL

Complaint narrative:
I am filing this complaint regarding a XXXX XXXX credit card account that was restricted over a year ago and later placed in collections. XXXX XXXX and I entered into a settlement agreement to resolve the account for approximately 50 % of the original balance. 

I made over {$3200.00} in payments toward this agreement. However, XXXX XXXX has failed to credit these payments, has not acknowledged the settlement, and continues to handle the account as if no agreement was made. Despite written communication from me describing this issue, XXXX XXXX has offered no resolution, and its representatives have provided false and misleading information about the terms and status of the account. 

I am also reporting this issue to the credit bureaus ( Experian, TransUnion, and Equifax ), as the account is still being reported in a manner that does not reflect the actual payment activity or settlement terms. The continued reporting of this account is inaccurate, incomplete, and misleading, and is in violation of my rights under federal law. 

Violations ( XXXX XXXX ) : XXXX. Fair Credit Billing Act ( FCBA ) 15 U.S.C. 1666 Failure to properly credit payments and respond to written billing disputes. 

XXXX. Consumer Financial Protection Act ( CFPA UDAAP ) 12 U.S.C. 5531 Deceptive, unfair, and abusive practices through mishandling of funds, false representations, and non-performance of the settlement agreement. 

XXXX. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 Providing inaccurate, outdated, or incomplete information to credit bureaus, and failing to correct or update reporting after a dispute. 

XXXX. Breach of Contract ( Common Law ) Accepting payment on a settlement agreement and failing to fulfill its terms. 

Violations ( Credit Bureaus ) : FCRA 15 U.S.C. 1681i and 1681s-2 ( b ) : If the bureaus are continuing to report this account after being notified of the dispute and settlement, they are failing to reasonably investigate and are furnishing inaccurate information. 

If any bureau fails to block or remove the item after a valid dispute and documentation, this may further violate FCRA provisions regarding investigation procedures and consumer protections.

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 2025-04-17 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAU is required to remove this account not later than XXXX business days after the receipt. 
XXXX XXXX XXXX XXXX XXXX Balance Owed : {$260.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-17 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:
XXXX XXXX, XXXX, XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block 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, inaccurate, and false information consists of XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX  - XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-17 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 am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section XXXX and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : XXXXParker v. Time Warner Entertainment Co. L.P. , 331 F.3d 13 ( 2d Cir. 2003 ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXXSarver v. Experian Information Solutions , Inc. , 390 F.3d 969 ( 7th Cir. 2004 ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a XXXX XXXX XXXX is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

XXXXXXXX XXXX XXXXXXXX, 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 2025-04-17 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: OR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. This creditor has violated my rights Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681, section 604 a Section 2, it also states a consumer reporting agency can not furnish an account. Without my written instructions. Under 15 USC 1666 b, a creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2025-04-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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