vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-16 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: VA

Complaint narrative:
Subject : Request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) all accounts fraudulent in this complaint be DELETED immediately.

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by TRANSUNION, Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing.

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked. 

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the credit reporting agency TRANSUNION, block the information appearing in my consumer credit report resulting from identity theft and fraud within 4 business days of receiving this complaint. PLEASE DELETE THIS ACCOUNT IMMEDIATELY. 

I do not recognize the accounts mentioned as reported. The accounts mentioned above in my consumer credit report that you maintain were not opened, created, or initiated by me. The accounts mentioned above are the result of identity theft and fraud. 
I did not authorize the sharing of my information nor did I consent to its reporting. I was not provided with adequate information or the option to opt out. Reporting without consent constitutes fraud for the purposes permitted by Title 15, United States Code ( USC ), Section 1981b2. This also violates my privacy rights under Title 15, USC, Section 1681a ( 4 ). These accounts must be immediately blocked or removed from my consumer report, pursuant to FCRA 605b. If any additional documentation is necessary to process my request, please inform me promptly. 
Thank you for your prompt attention to this matter. 

ACCOUNT : 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 2025-04-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am a long-time American Express customer with a consistent payment history, stable high income, and no missed payments. I recently asked Amex to consider lowering my APR to help manage my account more efficiently. Shortly afterward, I was told that unless I made a {$5500.00} payment by a set deadline of 4 days, my credit limit would be reduced. My income has increased recently as well so this will help a lot as Ive noted to them.

This feels retaliatory, especially following my APR request, and harmful to customers like me who are genuinely trying to manage debt responsibly during personal hardship.

The balance on this card is way below the limit. I have also been paying more than the minimum every month. 


My credit score has only dropped around XXXX pointsnothing extreme and still considered a fair score and Ive been doing my best to maintain my financial health despite a challenging time. 

I am currently going through a divorce and am a XXXX XXXX XXXX XXXXXXXX, which has created emotional and financial strain. I am not asking for special treatmentI am simply asking that Amex refrain from lowering my limit while I continue to pay on time and communicate in good faith. A credit limit reduction right now could affect my ability to secure housing and maintain stability for myself and my child. 

The timing of this feels retaliatory following my APR request, and Im asking CFPB to look into whether such practices are fairparticularly toward vulnerable consumers like XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
The company I have an issue with is XXXX XXXX. I had a credit card with them that I hadnt used in years, when I moved to WA someone broke into my car and stole the card out of my glove box and decided to go shopping at a few places. They put about 3 larger charges on my car which at the time only 1 went through. So for that one charge I disputed it and won the case, this was in XXXX. Fast forward to XXXX and I see that XXXX dollars is on my card and Ive made minimum payments of XXXX dollars towards it. So I give XXXX XXXX a call, to which they say theyll get those charges off and Ill get my XXXX dollars back. Well XXXX comes and its still not off of my card, so I speak to a supervisor. He was incredibly unhelpful, kept repeating himself, he was pretty much telling me I had to pay this balance, but I did not make these purchases. So he tells me in 24-48hours I will see some kind of change on my card, well its XXXX now and as I suspected XXXXm still paying on this balance. Ive now paid XXXX dollars towards a balance that shouldnt have been on my card, why they decided to allow these purchases to go through after they initially denied them, I have no clue.

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 2025-04-16 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: NJ

Complaint narrative:
I'm a surviving victims of human trafficking and uploading the necessary documents in this complaint, for these negative accounts to be blocked and removed off my credit report along with my proof of identity Experian and Equifax have been giving me a hard time with this letter these negative accounts need to be removed and blocked immediately. Experian and Equifax are not doing their proper investigation like always.

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 2025-04-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I updated the mailing address for where my bill should be sent and paid, but I accidentally made a mistake when filling out the address change form that the Exchanges credit program provides. I either typed the last number wrong or miswrote it, so now the form is being sent to an incorrect address that doesnt exist.

I called customer service, and they told me I need to return that form in order to correct the addressbut since the address on file is incorrect, Im not receiving the form and have no way to get it.

The address Should be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I been trying to change it to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Attached are my ordres

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 2025-04-16 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$6000.00} - XXXX XXXX XXXX XXXX {$240.00} - XXXX XXXX XXXX XXXX * * {$150.00} - XXXX XXXX XXXX {$42.00} - 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a 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 2025-04-16 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IN

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: Experian Information Solutions Inc.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-04-16 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: EQUIFAX, INC.
State: FL

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: LA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1900.00} 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 - {$15000.00} KXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$24.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - {$1300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - {$100.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 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: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
Im having a problem with BMW financials and XXXX. After my lease agreement with BMW financials was up they got back their car and still decided to bill me months after I did not have that car anymore they charge me unreasonable fees and then sold the car for over {$40000.00} and still was charging me for excessive fees when our contract was over. I reached out to them because we had a messed up lease agreement and I put down money over {$9000.00} for security deposit which was never returned to me and they still charge me over {$2500.00} in fees after I returned the car nothing was wrong with the car because they was able to sell the car for more than my lease agreement. I reached out to XXXX with proof that there was wrong things being reported to them and asked them to fix it and do a investigation regarding it and they have not yet completed that as yet Bmw financials was moved from my XXXX XXXXXXXX XXXX XXXX account but XXXX has not removed it I have over XXXX new remarks regarding charge off on my account and over XXXX repossessions on my account after my lease ended in XXXX and they got their car back after the lease. Because of this its affecting my credit and my everyday life and Im trying my best to work with XXXX and BMW financials to get this situation correct but unfortunately every single time I try to do a dispute BMW financials does more damage to my credit report. Im asking you guys to please help me correct this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 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: IL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I requested a signed contract agreement with my signature agreeing to collection. I disputed debt with no out come and debt reopened after being closed for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
I am writing to formally request validation of the alleged debt mentioned above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ). It has come to my attention that this debt is currently being reported on my credit report, and I would like to resolve this matter.

Please provide : 1. * * Documentation that verifies the debt * * : Proof that I agreed to the terms which led to this debt, including the original signed agreement if applicable.

2. * * Detailed accounting of the debt * * : An itemized statement providing a breakdown of how the alleged amount was calculated.

3. * * Verification that your company is legally entitled * * to collect this debt : Details such as licensing documentation if required in my state. 

Furthermore, should you be able to validate the debt, I am willing to discuss an appropriate settlement arrangement to satisfy any legitimate and validated obligations. As part of this resolution, I would request that you provide written confirmation that upon payment, the negative entry related to this account will be deleted from all major credit reporting agencies ( XXXX XXXX XXXX XXXX XXXX 

If you are unable to validate this debt, I respectfully request that you cease collection activities and remove any erroneous credit report entries related to this account in accordance with the Fair Credit Reporting Act. 

Please respond in writing within 30 days of receipt, acknowledging this dispute and providing the requested validation documentation. All future communication regarding this matter should be in writing. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-16 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: MI

Complaint narrative:
I am writing to obtain your assistance with obtaining a refund of {$5000.00}. On XXXX I received an email from XXXX, informing me that I had a credit of {$5000.00} in a formerly closed personal loan account. I called XXXX  ( Spoke with XXXX ) and asked how this was possible? The account was opened in XXXXXXXX XXXX XXXXXXXX and paid in full in XX/XX/XXXX. XXXX. XXXX referred me to XXXX  representative XXXX XXXX confirmed that my formerly closed account, had a credit of {$5000.00}. I told XXXX that since the account was closed, to forward the credit to me at my address on record. XXXX informed me that would receive the check by XX/XX/XXXX. On XX/XX/XXXX, I received an email from XXXX, congratulating me on paying off my loan! I next received an email from XXXX  stated that once the {$5000.00} cleared my check account, I would receive a refund! I then checked my checking account and found XXXX  had withdrawn {$5000.00} from my checking account on XX/XX/XXXX. The check cleared on XX/XX/XXXX. I have not received a refund. XXXX  fraudulently withdrew {$5000.00} and added it to a closed XXXX personal loan account. XXXX  has had use of the {$5000.00} for the last 19 days. Please assist me in receiving a refund, and report XXXX XXXX fraudulent activity. 

Thank you for your time and assistance XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NH

Complaint narrative:
Subject : Improper Denial of FHA XXXX Forbearance and Negative Credit XXXX XXXX have an FHA-backed mortgage and experienced financial hardship following my layoff in fall XXXX. The layoff was indirectly due to the continuing economic impact of XXXX on my industry. By XX/XX/XXXX, I knew I wouldnt be able to continue making payments, as my unemployment ended in XXXX. I contacted my mortgage servicer by phone, on XX/XX/XXXX, to request payment assistance or forbearance under FHAs extended XXXX policies. I initiated the online application assistance process on XX/XX/XXXX. And I paid my XXXX mortgage on XX/XX/XXXX. 

My first missed payment was XX/XX/XXXX. I knew I wouldnt be able to pay this month and I checked to see how the process was going, nothing was progressing so I called again on XX/XX/XXXX. I was told there was nothing more to do until we were late. 

In XXXX, my application process was still labeled incomplete, and now I was officially 30 days late. So I contacted via e-mail to see what maybe I missed. I was told in writing that I would not be eligible for payment assistance until I was at least 91 days delinquent. This directly contradicts HUD XXXX XXXX XXXX, which extended XXXX Recovery Optionsincluding forbearance and the Standalone Partial Claimthrough XX/XX/XXXX, and made no such delinquency requirement. 

As a result of being denied help when I was current, I was forced into delinquency and ultimately entered the XXXX Standalone Partial Claim. The missed payments were reported to the credit bureaus, harming our credit and affecting our XXXX XXXX financial aid eligibility. 
I am requesting a formal review of the mortgage servicers conduct and a correction of the credit reporting based on their failure to offer the required assistance at the time it was requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation