vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MO

Complaint narrative:
Never received debt validation from XXXX XXXX, Midland Credit, XXXX, or XXXX XXXX 

They do not own the debt and have violated the Fair Debt Collections Practice Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
XX/XX/XXXX I brought my car in XXXX XXXX for repair after an accident. 

XX/XX/XXXX Picked up car. Noticed a signification gap between hood and the area around it. 

XX/XX/XXXX Contacted bodyshop by phone by unsuccessful -- nobody called me back. 
After a week I decided to email them so that I can retain my proof. 

Initially they ignored my emails. However, when threatened with dispute, they said there is nothing they can do because the insurance approved the part. 

After unsuccessful attempts to resolve the problem with merchant, I was forced to dispute with Capital One Venture X -- my bank.

After receiving the form, I promptly gathered all proof and documents. I forwarded everything I had to them on XX/XX/XXXX. On XX/XX/XXXX I received an email from Capital One Venture X citing that because what I submitted lacks all of the required evidences, they closed the case and reversed the conditional credit. 

XX/XX/XXXX I called in to request more information. It seems like they did not look at my well prepared documents to them. The lady ( XXXX ) that I spoke to mentioned I need to submit proof of contact with the merchant which I did but nobody cared to look at. Finally, XXXX concluded that I needed to submit copy of invoice and cancelation policy from the merchant for them to reopen the case. I am able to submit copy of invoice but I am not able to submit cancelation policy as the merchant does not have that information available on their website.

Under the Fair Credit Billing Act, a customer should be protected should the service or merchandises did not meet expectations. In this situation, I provided photos of the gap between the hood and the bumper, some area was not flush etc. I even mentioned that at any time during the dispute, if the merchant agree to take my car back for further repair, I would be glad to cancel the dispute. This is to show that I tried to at in good faith with both -- my bank and the merchant. However, Capital One Venture X just closed my case even with ample evidences. If there was something they needed, they should have contacted me instead of closing my case citing what I mentioned above. Capital One Venture X did not act upon their customer 's best interest. They did not care to read and examine all the evidences I provided. They blindly closed my case and sided with the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/year> Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it.

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 2025-05-11 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: FL

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXXXXXX XXXX ( XXXX ) Date Opened : XX/XX/year> Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

Complaint narrative:
I pulled my credit report and noticed that there are items that are not right. I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XX/XX/year> Balance : XXXX Im questioning the accuracy of this item on my report. Please verify this information or remove it.

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 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I have an auto load with Honda Financial Services, it's paid automatically each month from my XXXX XXXX account. Honda Financial simply did not credit my account with a payment. I spoke to them and provided proof of payment showing when the check cleared in the required time. They have not corrected my account and charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MS

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 ( s ) that I have made. XXXX XXXX. XXXX. XX/XX/XXXXXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: MS

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 ( s ) that I have made. XXXX XXXX. XXXX. XX/XX/XXXXXXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This letter serves as a formal dispute of the debt you allege is owed and a notification of multiple violations of federal consumer protection statutes associated with your collection practices. I do not acknowledge any indebtedness to the following collection agencies : 1. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX Pursuant to 12 CFR 1006.34 ( b ) ( 5 ), I demand full validation of the alleged debt, including but not limited to the name of the original creditor, the corresponding account number, a comprehensive breakdown of the amount claimed, and a copy of the purchase agreement transferring the debt to your agency. I have simultaneously submitted a complaint to the Consumer Financial Protection Bureau.

Effective immediately, I revoke any and all consent to contact me by phone, text, or email. All communication must be conducted exclusively in writing. Your failure to comply with the dispute provisions under 12 CFR 1006.34 ( c ) ( 4 ) ( i ), as well as your deceptive practices and failure to provide legally mandated disclosures, constitutes a violation of my rights. Moreover, the furnishing of data to credit reporting agencies by [ creditor_name ] without proper disclosures is unlawful per 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
This is a formal notice that I dispute the debt you allege I owe and reject any responsibility for it. I also cite multiple violations of federal consumer protection laws in your collection efforts. I do not acknowledge any debt associated with the following agencies : 1. XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX  I demand full validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, detailed account information, and a complete breakdown of all charges. You must also provide a copy of the debt purchase agreement. A formal complaint has been submitted to the CFPB concerning these issues.

Effective immediately, you are prohibited
from contacting me by phone, text, or email. Communication must be in writing only. Your failure to provide a valid opportunity to dispute the debt violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). In addition, your deceptive methods and lack of mandatory disclosures are unlawful. It is also illegal for [ creditor_name ] to report this debt to credit bureaus without proper notice, as outlined under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 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: TX

Complaint narrative:
I recently reviewed my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.

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 2025-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal notice that I dispute the debt you allege I owe and reject any responsibility for it. I also cite multiple violations of federal consumer protection laws in your collection efforts. I do not acknowledge any debt associated with the following agencies : 1. XXXX XXXX XXXX XXXXXXXX I demand full validation in accordance with 12 CFR 1006.34 ( b ) ( 5 ), including the original creditors name, detailed account information, and a complete breakdown of all charges. You must also provide a copy of the debt purchase agreement. A formal complaint has been submitted to the CFPB concerning these issues.

Effective immediately, you are prohibited from contacting me by phone, text, or email. Communication must be in writing only. Your failure to provide a valid opportunity to dispute the debt violates 12 CFR 1006.34 ( c ) ( 4 ) ( i ). In addition, your deceptive methods and lack of mandatory disclosures are unlawful. It is also illegal for [ creditor_name ] to report this debt to credit bureaus without proper notice, as outlined under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ).

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 2025-05-11 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: IN

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

I recently reviewed my trans union credit report and found fraudulent accounts are being reported And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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

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 2025-05-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-11 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: NY

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-11 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: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I am filing this complaint against American Express ( AMEX ) for their continued failure to provide a legally sufficient response to my formal dispute and subsequent request for the method of verification, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 7 ), codified at 15 U.S.C. 1681i ( a ) ( 7 ).

I disputed the accuracy and completeness of the AMEX account listed on my credit report ( Account # XXXX ) and formally requested that AMEX provide the method of verification used to confirm the accuracy of the information they are reporting to the credit bureaus. Despite my clear and repeated request, AMEX has failed to provide any meaningful documentation or description of the procedures used, in direct violation of their legal obligations. 

Additionally, I referenced the FTC opinion letter from Attorney XXXX XXXX XXXX, which states that merely providing a bill or itemized statement does not constitute sufficient verification under FCRA standards. As of the date of this filing, AMEX has not produced a signed agreement or any contractual document showing that I have a legal obligation to pay the alleged amount, nor have they provided documentation reflecting the process by which my signature ( or electronic authorization ) was generated. 

This lack of compliance not only violates federal law but has also continued to harm my credit profile and financial opportunities. The account in question remains inaccurate and incomplete, and AMEXs failure to adequately respond or investigate constitutes willful noncompliance under FCRA. 

This complaint is submitted as a final goodwill effort before pursuing other legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-11 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: TN

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

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 2025-05-11 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: CA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation.

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 2025-05-11 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: TN

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 2025-05-11 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
Was notified there was a hard hit on my credit I checked to see what and someone tried to open a card under my information. This has been an ongoing issue there are other cards that have been opened under my name I been disputing my social security number has been used multiple times fraudulently with my personal banking, credit cards and loans. Negatively effecting me. When I call these places to find out information I get told they are not allowed to legally provide other person information which baffles me since they illegally allowed them to use my information to open such accounts so I deserve to get their information

Company response to consumer: Closed with non-monetary relief