vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-25 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

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 FTC Report Number : 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. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: FL

Complaint narrative:
I've tried using the card at several stores and locations with no success. This is an {$25.00} AMEX gift card, I have XXXX and neither work.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southwest Credit Systems, L.P.
State: AZ

Complaint narrative:
[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ] [ XXXX, Arizona, XXXX ] [ Email Address : XXXX ] [ Phone Number : XXXX ] [ XX/XX/year> ] To : [ Southwest Credit System ] [ XXXX XXXX XXXX XXXX # XXXX ] [ XXXX, Texas, XXXX ] Subject : Cease and Desist Dispute of Alleged Debt Reference : [ Account/Reference Number, if any ] To Whom It May Concern : Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), I hereby notify you that I dispute the validity of the alleged debt referenced above and demand that you cease all further communication with me regarding this matter.

This letter serves as both a dispute of the alleged debt and a formal cease and desist notice. In accordance with federal law, you are hereby instructed to stop all direct contact with me, whether by mail, phone, electronic communication, or any other means.

Be advised that under 15 U.S.C. 1692c ( c ), once a consumer notifies a debt collector in writing to cease communication, the collector must not contact the consumer again except : To advise that further efforts to collect the debt are being terminated ; To notify that certain specified remedies may be invoked ; or To notify that the debt collector intends to invoke a specified remedy.

Any further attempt to contact me outside of these limited exceptions will constitute a violation of federal law and may subject your company to civil liability, including statutory damages, actual damages, attorneys fees, and costs pursuant to 15 U.S.C. 1692k.

Please also note that since I dispute the validity of this alleged debt, you are required under 15 U.S.C. 1692g ( b ) to cease collection activities until you provide proper verification of the debt. Failure to comply with these requirements will be documented and reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney General of my state.

I expect your full compliance with this demand. 
Sincerely, [ XXXX XXXX ] [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 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: AZ

Complaint narrative:
I have sent many prior requests to your company to reinvestigate several inquiries that I believe to be incorrect on my credit report. I have heard of companies pulling peoples credit without permissible purpose and I have yet to see verification of those purposes provided by your company. I sent your company a dispute letter and it is attached, dated and time stamped. My FTC Report Number is XXXX. I will once again list the inquiries in need of investigation : 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 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 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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: GA

Complaint narrative:
I am submitting this complaint because my credit report contains inaccurate and unlawfully reported information that is causing harm to my creditworthiness. Specifically, I am disputing : Late payments that are being reported on closed accounts, which is inaccurate and misleading. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), furnishers must ensure maximum possible accuracy when reporting. Closed accounts should not continue to generate new late payments.

Accounts that have been re-aged and/or reinserted without proper notice, which violates my rights under the FCRA.

Collection accounts that are being reported without a valid contract or proof of ownership of the alleged debt. Per federal law, once an original creditor sells or transfers an account, the third party has no direct contractual relationship with me and therefore can not legally collect or report the account.

Reporting that does not comply with Metro 2 standards and consumer protection regulations, including inaccurate account status and balance reporting.

I am requesting that the Consumer Financial Protection Bureau investigate these violations and ensure the credit bureaus and furnishers remove or correct all disputed information in compliance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
Ive sent to the wrong person with Zelle and cash app and wasnt compensated. it was nothing they could do, Also I had money stolen from through cash app from my bank account and some of the transactions were from old a accounts XXXX cant no longer access.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Love, Beal & Nixon, P.C.
State: AR

Complaint narrative:
I called Love, Beal and Nixon on XX/XX/XXXX, the call lasted17 minutes 23 seconds. When I called XXXX, a woman answered my call and I was put on hold after giving my name, birth date. Then the woman who had answered came back after about 5 minutes and said the attorney handling the case was not available but she was authorized to handle the case. I asked if she was a attorney and her reply was yes. I asked what happened to the proposed payment plan I had sent with my dispute. She said they received the dispute. I told her the repayment of the debt plan I had sent for review was in the same email. She replied " we don't discuss repayment plans by email, only by telephone ''. I said " so you did get it ''? Besides the repayment plan payments were the same as they normally would get, it also asked for the payments to start after I had recovered from several surgeries that I had just completed. Since XX/XX/XXXX to date I have had both XXXX XXXX XXXX XXXX completely XXXX. Then a XXXX XXXX XXXX XXXX, and as of XX/XX/XXXX they had to do a revision to my XXXX XXXX and I have just started recovery from that. She admitted they did get the repayment plan I had sent them, but would not discuss a payment plan until we appear in court. I asked her why after I tried to work out a payment plan did they file the suit. They sued me after I tried to initiate a payment plan. So I asked " why are you refusing set up a planed payment from me, I have not been a problem to you before. I paid you guys and everything went fine? '' She then told me the only way they would discuss a payment plan would be for me to send in copies of paycheck stubs, all bills for the house I lived in, car payments insurance payments. Also the income and names of everyone in the house along with bills they pay and they might consider agreeing to a payment plan. I informed her that I live in Arkansas as you know because you have the computer in front of you with my account information. You can legally get 25 % of my paycheck, but you are only sueing me, it is my debt alone and you have no right to the information such as names and income for anyone else that lives in the same house. In XXXX  since it is my personal debt you can only sue me within limitations set by state law. She informed me i was completely wrong and not to be a XXXX lawyer. If I am not by law going to give the names and income of everyone in the house. She instantly said they would not discuss a payment plan. I told her I knew she was not a lawyer by what she said and misrepresented herself and tried to extort me for information on other people in the house and their private financial data. She then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am submitting this report to dispute inaccuracies on my credit report. Equifax has acknowledged a system failure that led to my personal information being compromised and misused. Ive encountered credit denials because of this, and Im requesting that it be resolved within four business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-25 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: CA

Complaint narrative:
I am writing to file a complaint against Equifax, Experian, and TransUnion regarding inaccurate and unverifiable personal information that is being reported on my credit file. This information is negatively impacting my credit report and must be corrected immediately under the Fair Credit Reporting Act ( FCRA ). 

The following incorrect personal information has been identified on my credit reports and I am formally requesting its immediate removal : Incorrect Names/Aliases : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXX XXXX XXXX EMPLOYED This information is false and does not belong to me. I have never used these names, lived at these addresses, or been employed by these companies as reported. I have submitted disputes directly to the credit bureaus, but the information has not been corrected. 

I request that the CFPB investigate this matter and compel all three credit bureausEquifax, Experian, and TransUnionto permanently remove all of the inaccurate information listed above from my consumer report. This is a critical step to ensure the integrity and accuracy of my credit file.

Thank you for your immediate attention to this important issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to file a complaint against Equifax, Experian, and TransUnion regarding inaccurate and unverifiable personal information that is being reported on my credit file. This information is negatively impacting my credit report and must be corrected immediately under the Fair Credit Reporting Act ( FCRA ). 

The following incorrect personal information has been identified on my credit reports and I am formally requesting its immediate removal : Incorrect Names/Aliases : XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX LA XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX Incorrect Employers : XXXX XXXX XXXX EMPLOYED This information is false and does not belong to me. I have never used these names, lived at these addresses, or been employed by these companies as reported. I have submitted disputes directly to the credit bureaus, but the information has not been corrected. 

I request that the CFPB investigate this matter and compel all three credit bureausEquifax, Experian, and TransUnionto permanently remove all of the inaccurate information listed above from my consumer report. This is a critical step to ensure the integrity and accuracy of my credit file.

Thank you for your immediate attention to this important issue

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 2025-08-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-25 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-08-25 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: IL

Complaint narrative:
I am writing to formally dispute a public record that has been erroneously or fraudulently associated with my name and personal information. I believe that this record is inaccurate and the result of identity theft or other fraudulent activity. After reviewing the details of this record, I am certain that I have not been involved in the circumstances listed. It appears that my identity has been used fraudulently. I have taken steps to address this issue with the relevant authorities and will be filing a report.

I would also appreciate your assistance in removing this fraudulent record from the public record as soon as possible. " I DO NOT CONSENT FOR A FRAUD ALERT TO BE PUT ON MY CREDIT REPORTS ''.

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 2025-08-25 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: TX

Complaint narrative:
I am writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, TransUnion, and Experian for ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, those three accounts show PAID, CLOSED with the total 6 late payments together, such as 2 late payments on each account on Experian. On EXPERIAN XXXX XXXX XXXX XXXX PAID, CLOSED with XXXX late payments. While on Equifax XXXX XXXX XXXX XXXXXXXX {$35.00} and XXXX XXXX XXXXXXXX XXXX {$3500.00} and XXXX XXXX XXXX XXXX {$3500.00} show 4 late payments on each account including the status saying PAYS ACCOUNT AS AGREED. On Transunion XXXX XXXX XXXX {$35.00} and XXXX XXXX XXXX {$3500.00} and XXXX XXXX XXXX {$3500.00} each show 4 late payments on each account. 
XXXX XXXX shows 5 late payments and PAID OR PAYING AS AGREED. These reports are inaccurate and need to be updated to reflect 'Paid on time '' and " Paid as agreed '' for all accounts. These entries are inconsistent, contradictory, and inaccurate. 1 am requesting that the status of this account be updated to reflect " Paid on time '' or " Current '' and the worst delinquency status be updated accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( CRA ). particularly Section 611, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, the entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Addition ally, I request a thorough investigation into these disputed late payments as per Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in YELLOW for your convenience. I trust that you will handle this matter promptly and in compliance with al applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief