vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 XXXXXXXX {$650.00} XXXX XXXX XXXX XXXX XXXXXXXX {$250.00} XXXXXXXX XXXX XXXXXXXX {$130.00} XXXX XXXX XXXXXXXX {$0.00} 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 ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Subject : Formal Debt Dispute, Request for Validation, and Prohibition on Sale or Transfer Dear XXXX, TRANSUNION, & EQUIFAX ACCOUNTS : XX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX This inquiry is scheduled to continue on record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX XX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXXXX/XX/XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XX/XX/XXXXXXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used This is a formal dispute of the above-referenced alleged debt and a request for validation. This is not an acknowledgment of liability.

To the Debt Collector ( FDCPA 15 U.S.C. 1692g ) : I requ
est that you provide complete validation of this debt, including : 1. The exact amount of the alleged debt, with a detailed itemization of all interest, fees, and charges.

2. The full name and address of the original creditor.

3. A complete payment history and accounting showing how the balance was calculated.

4. Copies of all signed contracts, agreements, or documents that prove my legal obligation to pay.

5. Documentation proving your authorization to collect in my state.

Until this is provided in writing : You are prohibited from selling, transferring, or assigning this debt to another entity.

You must cease all collection activity, including reporting or continuing to report to any credit bureau.

To the Credit Bureaus ( FCRA 15 U.S.C. 1681i ) : I dispute the accuracy and completeness of this account in my credit file. Under the FCRA, you are required to : Conduct a reasonable reinvestigation of the account. 
Verify the account with complete and accurate documentation from the furnisher ( debt collector ). 
Remove or correct the account if the furnisher fails to provide sufficient evidence within the statutory timeframe. 
Please delete these unauthorized inquiries Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office, and may result in legal action. 

I expect a written response within 30 days from receipt of this letter. 

Sincerely, 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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I inadvertently clicked ( due to my infant son who was sitting on my lap ) on a promotion to advance skymiles on my Amex Delta XXXX card while I was reviewing the terms and conditions. Within minutes, I advised Amex of the mistake, and they refused to cancel the transaction, which has not been fully processed yet. 

I have screenshots of my chat transcripts with customer service. The net result is that American Express is using this to now force a certain amount of spending on their card to " repay '' the advanced miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate information being reported on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

The creditor XXXX  is reporting a late payment for Account No. XXXX on XX/XX/year>. I dispute this reporting because the payment was made on time. 
Even if there was an error or delay, the account has been otherwise in good standing and should not be penalized for a single disputed instance. 

Under the FCRA, furnishers of information are required to ensure maximum possible accuracy. This reporting is misleading and damaging to my creditworthiness. 

Requested Resolution : Investigate and remove the inaccurate late payment entry from my credit report. 

Provide written confirmation once the correction has been made.

Please note that failure to correct this inaccurate information may constitute a violation of the FCRA, and I reserve the right to pursue further remedies.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, SYNCB/CARE CREDIT has violated my rights, 15 U.S.C 1681 Section 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

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 XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXXXXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking of fraudulent information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 c 2. 
I am a victim of identity theft and a victim of the XXXX  XXXX XXXX XXXX, and certain accounts or inquiries appearing on my credit file were made fraudulently and without my authorization. As required under the law, I am providing the necessary documentation to support my claim.

1. A copy of my FTC Identity Theft Report 2. A copy of my government issued photo ID 3. A copy of my Social Security card 4. A copy of an official document showing my name and current address.

The following accounts/inquiries are fraudulent and should be permanently blocked from my credit file. 
XXXX. XXXX XXXX XXXX 2. Jefferson Capital Systems LLC 3. XXXX XXXX Under 15 USC 1681 c 2, credit reporting agencies are required to block the reporting of information resulting from identity theft within Four ( 4 ) business days of receiving a valid request and supporting documentation. I also remind you that a police report is not required when a valid FTC Identity Theft Report is provided, as clarified by the FCRA. 
Please confirm in writing that these items have been removed from my credit file and that you have taken all appropriate actions as required under federal law. 
Failure to comply with this request may constitute a violation of the FCRA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) or pursued through addition legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I am writing to formally request the immediate blocking of fraudulent information from my credit report under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 c 2. 
I am a victim of identity theft and a victim of the XXXX  XXXX XXXX XXXX, and certain accounts or inquiries appearing on my credit file were made fraudulently and without my authorization. As required under the law, I am providing the necessary documentation to support my claim.

1. A copy of my FTC Identity Theft Report 2. A copy of my government issued photo ID 3. A copy of my Social Security card 4. A copy of an official document showing my name and current address. 
The following accounts/inquiries are fraudulent and should be permanently blocked from my credit file. 
1. XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. Portfolio Recovery Under 15 USC 1681 c 2, credit reporting agencies are required to block the reporting of information resulting from identity theft within Four ( 4 ) business days of receiving a valid request and supporting documentation. I also remind you that a police report is not required when a valid FTC Identity Theft Report is provided, as clarified by the FCRA. 
Please confirm in writing that these items have been removed from my credit file and that you have taken all appropriate actions as required under federal law.

Failure to comply with this request may constitute a violation of the FCRA and may be reported to the Consumer Financial Protection Bureau ( CFPB ) or pursued through addition legal remedies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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 * Fraudulent Account XXXX XXXX XXXX XXXXXXXX {$130.00} XXXX - XXXX {$250.00} XXXX XXXX XXXX XXXXXXXX {$400.00} XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX {$650.00} XXXX XXXX XXXXXXXX {$0.00} 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 ) as proof from the US Federal Trade Commission that all 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 explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Subject : FCRA Dispute Mixed File, Impermissible Inquiries, and Incorrect Entries To : [ XXXX ] Dispute Department From : [ XXXX XXXX XXXX ] , [ SSN last 4 : XXXX ], [ XXXX XX/XX/year> ], [ Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ] Date : [ Todays Date ] I am disputing inaccurate and improperly included information on my consumer report under the Fair Credit Reporting Act ( FCRA ).

Statutes : 15 U.S.C. 1681e ( b ) ( accuracy ), 1681i ( reinvestigation ), and 1681b ( permissible purpose for inquiries ).

A. Mixed File / Business Accounts My consumer report contains business-credit accounts and other information that do not pertain to me as a consumer and do not reflect any personal guaranty/personal liability. This is a mixed-file error and violates 1681e ( b ).

Please delete the following tradelines and any derivative data : [ List business tradeline ( s ), account numbers, creditor names ] B. Hard Inquiries Without a Permissible Purpose The following inquiries were made without my authorization and/or relate solely to business credit with no personal liability ; they lack a permissible purpose under 1681b.

Please delete the following inquiries : [ List company + date of inquiry ] C. Bankruptcy Entry [ Choose one : ] This bankruptcy does not belong to me/ is reported with the wrong date/chapter/status. Please delete or correct it.

( If accurate and <10 years old : omit this section. If >10 years old : It is obsolete under 1681c ( a ) ( 1 ) ; please delete. ) Requested Relief : 1. Delete/correct the above items ; 2. Provide me a free updated report ; 3. Send corrected reports to all recipients who received my report in the past six months ( two years for employment ), per 1681i.

If you need anything further, contact me in writing. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am disputing the accuracy of an account reported by IC System on my XXXX  credit file. This account is being reported with a Date Opened of XX/XX/year>, which does not align with any legitimate account history and appears to be a re-aging tactic. Re-aging accounts is prohibited under the Fair Credit Reporting Act ( FCRA 623 ). 

Additionally, this account is only reporting to XXXX  and not to XXXX  or XXXX, which raises concerns about consistency, accuracy, and compliance with industry standards for furnishing information. IC System has also failed to provide proper account-level documentation establishing ownership, a permissible purpose to access or report my information under FCRA 604 , or authorization to furnish data in my name.

Because the account is unverifiable, inaccurate, and misleading, I am requesting deletion from my credit file to bring the reporting into compliance with the FCRA.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Reporting Agencies have assumed a vital role in assembling and evaluating consumer credit while knowing there is a need to insure they exercise their grave responsibilities with fairness, impartiality, and a RESPECT for the consumers RIGHT TO PRIVACY.

The banking system is dependent upon fair and accurate credit reporting, and these unfair credit reporting methods undermine my public confidence which is essential to the banking system.

I never gave my expressed, written consent for these consumer reporting agencies to report my information, which violated 15 U.S. Code 1681b ( 2 ) and this leads to an alleged identity theft, which is a violation of 15 U.S. Code 1681c-2. These accounts are not related to any transactions made by me, the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
My positive XXXX trade line was removed from my credit reports without my request or authorization. I never filed an FTC report or asked for deletion. The bureaus acted on their own, which harmed my credit score and caused hardship. As a XXXX XXXXr protected under XXXX XXXXXXXX XXXX and federal XXXX, I demand reinstatement and proof of any request ( none exists ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
My positive XXXX trade line was removed from my credit reports without my request or authorization. I never filed an FTC report or asked for deletion. The bureaus acted on their own, which harmed my credit score and caused hardship. As a XXXX XXXXr protected under XXXX XXXXXXXX XXXX and federal XXXX, I demand reinstatement and proof of any request ( none exists ).

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 2025-08-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My name is XXXX XXXX. DOB : XX/XX/XXXX. SSN : XXXX. I recently called the phone number on the back of my Bank of America credit card. The interactive voice response system ( IVR ) was cumbersome and made it difficult to get to an agent. If you dont press the prompts in the correct order or fast enough, the IVR will deliberately and willfully disconnect the call. Under no circumstance should the IVR disconnect on a consumer. The IVR is also dishonest. It says to provide your social security number in order to get to an agent. Once I follow the IVRs instructions it says I understand you want to speak with a customer service agent, but first ). This is deceitful to the core. This causes an undue delay. The IVR will either run in circles or disconnect. In addition, this is not a one time isolated event, this is a pattern and practice. Ive previously submitted complaints regarding this matter in XXXX, XXXX, XXXX and now XXXX. Bank of America is doing this on purpose and its called corporate sludge. Each and every time this happens, I will submit a new valid complaint with federal and state agencies. Please ameliorate the IVR forthwith.

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 2025-08-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX, XXXX  XXXX  XXXX  has violated my rights, 15 U.S.C 1681 Section 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 a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.

I have asked the debt collector to verify the account reported and they never reply and put the account in dispute.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am writing to formally dispute and file a complaint against LVNV Funding LLC for inaccurately reporting an account with a balance of {$2300.00} on my credit report. 

This account does not belong to me, and I have never opened, authorized, or had any relationship with LVNV Funding LLC for this alleged debt. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, I have the right to dispute inaccurate information being reported to the credit bureaus. Furthermore, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e, prohibits debt collectors from using false, deceptive, or misleading representations in connection with the collection of any debt.

By continuing to report this account as mine, LVNV Funding LLC is in violation of my consumer rights and causing undue harm to my credit standing.

Company response to consumer: Closed with explanation