vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 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: CA

Complaint narrative:
To : CFPB XXXX XXXXXXXX XXXX XXXX : Escalation Notice Improper Charge-Off Updating Violations Dear CFPB Officer, I am escalating the following CFPB complaints : CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX CFPB Case # XXXX XXXXXXXX XXXX  continues to : Report monthly charge-off updates through XXXX despite last activity in XXXX. 

Create the appearance of newly delinquent debt each month. 

Fail to provide any payment activity or itemized history. 

This violates FCRA 623 ( a ) ( 2 ), Metro 2 compliance, and constitutes unlawful re-aging behavior. 

Relief Requested : Full deletion of XXXXXXXX XXXX  tradeline. 

Enforcement action for repeated re-aging violations. 

Respectfully, XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi my name is XXXX XXXX XXXX and this is your * * final and non-negotiable * * demand to * * immediately * * delete all inaccurate information from my credit report. Your actions are not only a blatant violation of federal law, but they are also an intolerable assault on my rights as a consumer. 
* * Pursuant to 15 U.S.C. 1681b * *, you are illegally reporting and sharing my personal information without my explicit authorization. 
* * You do not have my consent, and you have never had my consent * * to access or report any information tied to my name. Your unlawful actions are an egregious breach of federal law, and I will no longer tolerate it.Additionally, my credit report contains * * unauthorized inquiries * * that I did not initiate, which makes me a * * victim of identity theft * *. 
* * Under 18 U.S.C. 8 * *, I owe * * absolutely no debt * * to the companies listed. Your failure to delete these inaccuracies immediately will result in * * severe legal consequences * *. I will * * not hesitate * * to pursue every available legal avenue to hold you accountable, including but not limited to : 1. Filing formal complaints with the * * Federal Trade Commission ( FTC ) * * and the * * Consumer Financial Protection Bureau ( CFPB ) * *. 
2. Initiating civil lawsuits for violations of my rights under the * * Fair Credit Reporting Act ( FCRA ) * *.

3. Seeking * * statutory and punitive damages * * for your gross negligence and failure to comply with federal law. 
You are hereby notified that you have * * no further opportunity * * to delay or ignore this matter. I * * demand * * that all incorrect entries and unauthorized inquiries be deleted * * immediately * * and * * permanently * *. This is your * * final warning * *, and I expect * * written confirmation * * of the deletions without delay.If I do not receive confirmation of the deletions within the next 10 business days, I will proceed with full legal action, which will result in * * significant consequences * * for your continued disregard of federal 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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I RECENTLY REVIEWED A COPY OF MY CREDIT REPORT AND NOTICED I HAD FRAUDULENT ACCOUNTS ON MY REPORT. PLEASE REMOVE THESE ACCOUNTS FROM MY REPORT, THEY ARE HURTING MY ABILITY TO OBTAIN CREDIT.

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 2025-06-07 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
Hi- trying to use the card online for purchases or vacation rentals and its absolutely useless. 

It is an American Express gift card for points from the Amex account. It is unable to be used to book an XXXX, hotels, via XXXX or any other merchant we have tried to use it through. We took our points as gift cards to be able to use the points to go on vacation and have not been able to use them for anything!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
This company, Phoenix Recovery Group, in conjunction with small local Rental companies, i.e. XXXX XXXX have devised this criminal fraud scam in an attempt to unjustly enrich themselves. None of these debts have been validated or ordered by any court or other authoritative body. All normal legal process or steps have been circumvented. 

I simply advised XXXX XXXX ( XXXX ) due to being a XXXX  XXXX XXXX, my health required me to live closer to a family member. I proactively advised XXXX XXXX ( XXXX ) more than 60 days prior that my XXXX XXXX XXXXXXXX. XXXX never advised me of any negative repercussions. The residence was cleaned ( move-in and out photos offered ) and vacated by XX/XX/24. XXXX was advised and keys were left on counter. XXXX was aware that security deposit would be applied toward final months rent XX/XX/24. 

I was never contacted by XXXX verbally or in writing. No texts or phone calls. XXXX subsequently re-rented the property, while at the same time employing Phoenix Recovery group a collection amount of approx {$20000.00}. 

If Phoenix debt collection group actually purchased this bogus debt from XXXX, then both of these companies need to be investigated. The debts these people are trying to collect on are totally inflated and/or erroneous. They have also hurt my ability to rent another place based on this made up debt. Threatening my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: FL

Complaint narrative:
On or about XX/XX/XXXX, Source Receivables Management began reporting a collection account for XXXX XXXX XXXX XXXX my XXXX XXXX XXXX XXXX credit report, with a balance of {$3700.00}. This account was never disclosed to me prior to being reported, and I was never sent a written notice or validation letter in accordance with federal law. 

This is a direct violation of 15 U.S.C. 1681s-2 ( a ) ( 7 ), which requires a furnisher of information to provide the consumer with notice prior to reporting negative information to any credit reporting agency. 

After discovering the collection entry, I submitted a Conditional Acceptance and Debt Validation Demand to Source Receivables Management. I specifically requested : A copy of the original signed contract ( with wet-ink signatures ) A full chain of title and assignment GAAP-compliant accounting ledger IRS Form 1099-C or explanation of why it wasnt filed Affidavit from an authorized officer verifying lawful standing To date, I have not received any documentation meeting legal standards for validation of debt. 

Furthermore, billing statements are not sufficient for debt validation, as established in : XXXX v. XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : billing statements alone do not validate a debt XXXX v. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) : validation must include contractual liability The tradeline is inaccurate, unverified, and was furnished without compliance with the Fair Credit Reporting Act and Fair Debt Collection Practices Act. 

Additionally, I have not received the federally required Model Form B-1 as prescribed by Regulation F under the FDCPA ( 12 C.F.R. 1006.34 ). Debt collectors are mandated to provide this model validation notice containing an itemized summary of the debt, the consumers rights, and instructions for disputing the debt. To date, I have received no such form from Source Receivables Management, which constitutes another procedural violation. Without a proper B-1 notice, I was denied my statutory right to a meaningful opportunity to dispute or verify the debt before it was reported to the credit bureaus.

I am requesting that this account be : Removed immediately from all credit reports until lawful validation is provided ; Investigated for possible violations of FCRA, FDCPA, and IRS Title 26 reporting rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

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 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of 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 XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO 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 proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Buy adding a XXXX hard inquiries to my consumer report XXXX XXXX, XXXX and XX/XX/XXXX Capital One violated 15 U.S Code 6802- obligation with respect to disclosure of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
No such option were given to this consumer. Such disclosure constitutes Identity fraud without the direction of the consumer that such information be disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
I WAS INVOLVED IN A DATA BREACH. I PUT IN A FTC REPORT. 

BASE ON MY CREDIT REPORT THE ACOUNT WAS OPEN ON XXXX XXXX FOR THE AMOUNT OF {$3800.00} ACCOUNT NUMBER XXXX ORIGINAL CREDITOR XXXX. THIS IS NOT MINE ACCOUNT.

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 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
On XX/XX/XXXX, I visited a JJill store and made a purchase totaling {$150.00} using my JJill Comenity Capital Bank credit card. In early XX/XX/XXXX the statement arrived. On XXXX. XX/XX/XXXX, I used online banking to have a check issued in this amount to JJill Comenity Capital Bank. I received bank confirmation that the check was processed and due to arrive at Comenity 's Texas address by Mon. XX/XX/XXXX. This was within XXXX  days, and would be 5 days before the due date of XX/XX/XXXX. On XXXX  XX/XX/XXXX, I received an email indicating this payment was processed on XXXX, XX/XX/XXXX. Thusly, I was charged a late fee of {$27.00}. I made a phone call, then followed with a letter dated XXXX XXXX, XXXX following the directions on the back of my statement requiring all inquiries to be made in writing. I provided copies of the statements, a copy of the payment request, a copy of the confirmation and a copy of the bank check. On XX/XX/XXXX, I received a statement for {$56.00}. I drafted and sent a second letter on XXXX. XXXX, requesting a review of my letter and evidence of my payment process. On XX/XX/XXXX, I received two letters from Comenity, one said my account fees were " accurate, '' with " tips to avoid future late fees. '' I tried calling the customer service phone line for Comenity. The conversation just revealed inconsistencies and inaccurate information. I followed with a XX/XX/XXXX, letter, including copies, and some narrative about that phone call. Their letters made it obvious they had not read my letters or considered the evidence provided. XX/XX/XXXX, I received a letter regretting to inform me that my account was suspended, and all that meant. By XXXX, I was tired of being charged more late and interest fees, and with being harassed by multiple phone calls a day from 'collectors ' wanting to help me prevent future charges. I had not neglected paying, or could not afford to pay, it is a matter of principle, I firmly believe I did everything required of me, and if they did not either receive or apply my payment in a timely manner, that is not my responsibility. They have never demonstrated that they considered the evidence I provided, or acknowledged they could have been the cause for the delay in processing my payment. I believe, when the evidence is considered, in all fairness, I should be issued a refund of {$94.00}, as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: OH

Complaint narrative:
Between approximately XX/XX/XXXX and XX/XX/XXXX, my Chime and XXXX XXXX accounts appear to have been compromised through a scam involving false credits and unauthorized withdrawals. 

During this time, I was approached with an offer to receive a loan. The individuals involved deposited temporary credits into my Chime account totaling approximately {$200.00} to {$500.00}. I was then instructed to send back approximately {$250.00} to {$300.00} via XXXX XXXX or through my Chime debit card, under the promise that I would receive a larger loan amount in return. 

After I sent the money, the initial deposits were reversed or flagged as fraudulent, which left my Chime account with a negative balance of - {$760.00} as of XX/XX/XXXX. 

In addition, because my XXXX XXXX account was linked to my Chime account during this period, unauthorized transactions and withdrawal attempts through XXXX XXXX further impacted my Chime balance, creating a situation where funds were being pulled automatically from my linked bank account without my full knowledge or consent. 

It is now evident that my accounts were targeted through a combination of : XXXX XXXX ( loan scam ) Fake deposits Unauthorized transaction activity between XXXX XXXX and Chime As a result, I have suffered a financial loss of approximately {$250.00} {$300.00} and my Chime account currently reflects an unauthorized negative balance. I did not knowingly or willingly authorize the transactions that caused this outcome.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
In XX/XX/XXXX, a charge of around {$15000.00} appeared on my AMEX card at a venue listed as XXXX XXXX I had authorized a small charge to enter the venue, but my card was later taken and used without permission for multiple high-dollar transactions. These were not made by me. 

I filed a fraud dispute and followed AMEXs instructions, including being told not to make payments while the matter was under review. Despite this, AMEX denied the claim based solely on the fact that the merchant matched a prior authorized charge. They then reported my account as XXXX  days late, which severely damaged my credit. 

I was told the matter could be revisited later, so I ultimately paid the full balanceincluding the fraudulent chargesjust to avoid further harm to my credit. I was devastated, but felt I had no other option. 

The statement clearly shows multiple charges on the same day to the same merchant ( all labeled Fine Dining ), with separate transactions for {$5300.00}, {$3600.00}, {$1800.00}, and more. This is a classic fraud pattern. Yet AMEX treated it as valid without deeper review. 

I am a XXXX  and small business owner, and this negative mark has hurt my ability to get financing and grow. I was also in XXXX  forbearance in early XXXX due to XXXX-XXXX  hardship. Despite this, AMEX never applied any flexibility or XXXX XXXX accommodations. 

Ive sent multiple goodwill requests asking AMEX to remove the XXXX late payment from my credit reports, but theyve refusedand I can no longer dispute it through the bureaus. XXXX asking for CFPB support to remove this mark due to mishandled fraud, misleading payment guidance, and failure to accommodate hardship during a national crisis.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
I fell behind on my mortgage and attempted to make a payment for 2 months, I was told they needed a minimum of 3, I called a week later to make 3 and they said because a new month had started, they now needed all 5 months. I was able to get approved for a forbearance but I still wanted to give them the {$6400.00} toward what I owed. They scheduled the payment and then reversed it back to my bank. When I called to ask why they said they think its because they tried to pull it before the forbearance had been implemented so they scheduled it again, then they reversed the payment back to me again, and this time they stated it was because the forbearance period hadnt started yet so it wouldnt apply, they scheduled it to be pulled out on XX/XX/XXXX. Well, they reversed it again a 3rd time. At this point, I dont know what to do but Im ready to take the {$6400.00} that they refuse to accept and hire a lawyer because this is illegal. Im in the XXXX, currently on XXXX  XXXX, I have children, and I have no plan to lose my home but I can not force them to accept my money. I dont understand how not 1 single employee has any idea how to properly apply this payment but I feel targeted. I feel that they are doing this on purpose to foreclose on me and cause me and my family to be homeless because I cant think of any other reason why they would do this. I need a resolution or I will be taking immediate legal action against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-07 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
Account ending in : XXXX | Log in Your payment has processed XXXX XXXX, Thanks for making a payment for your HSN Card account. 
Payment Amount : {$12.00} Processed Date : XX/XX/year> I canceled this card with HSN about 6 weeks ago. I have no idea where they are getting money from to pay this.

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 2025-06-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: UPGRADE, INC.
State: CA

Complaint narrative:
Im disputing a late payment reported by ( Uplift ) Upgrade , Inc. on my credit report. 
In XX/XX/year>, I opened a loan with ( Uplift ) Upgrade for a travel booking. The trip was canceled shortly after the loan was initiated, and I expected the loan to be voided since the booking was never used. However, ( Uplift ) Upgrade did not receive the refund from the merchant until XX/XX/year>, and as a result, they reported a late payment on my account. 
I was not informed that I would still be required to make payments on a canceled booking, nor was I made aware of any outstanding balance at the time. The loan should have been placed on hold or resolved when the cancellation was confirmed. 
Despite explaining my situation and requesting a goodwill adjustment, ( Uplift ) Upgrade refused to remove the late payment, even though it stemmed from a canceled transaction and delayed merchant refundsomething outside of my control. 
This late payment has negatively affected my credit score, and I believe it is unfair and misleading. I am requesting the CFPBs assistance in resolving this matter and having the late payment removed from my credit report.

Company response to consumer: Closed with explanation