vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC

Complaint narrative:
Request for XXXX XXXX I am writing to request validation of the debt you have claimed I owe. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information : 1 The amount of the debt owed 2 The name of the original creditor 3 Verification or copy of the original contract or agreement 4 Documentation showing authority to collect debts on behalf of the creditor 5 A detailed account statement showing the charges leading to the current balance

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: FL

Complaint narrative:
Subject : Unreasonable Hold and Refusal to Expedite Payroll Check XXXX XXXX XXXX XXXX XXXX Details : I deposited a XXXX XXXX check ( from my employer ) into my XXXX XXXX  account. XXXX XXXX is holding my paycheck and says it will take 13 business days to process and send my funds, but my XXXX XXXX account shows {$0.00}, and I have no access to my money. 

I called XXXX XXXX customer service multiple times and explained my situation. I am experiencing financial hardship due to this delay. I asked if there was any way to expedite or verify my check, and whether a supervisor or someone higher up could override the hold for me, but was told there is absolutely nothing they can do and no way to escalate or speed up the process.

I believe it is unfair and unreasonable for a payroll check to be held this long, especially when it is urgently needed for essential expenses. The lack of any option for escalation or hardship exceptions makes the situation worse.

The amount of the check was {$680.00}, and the delay in accessing my paycheck has left me unable to pay for essential expenses, including food, transportation, and basic bills. I specifically asked for a hardship exception or partial release of funds, but was told there are no exceptions available. This has caused me significant financial stress. 

Company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AMERICAN EXPRESS COMPANY
State: MS

Complaint narrative:
I submitted a formal dispute to American Express for a {$260.00} charge from XXXX XXXX related to a flight that should not have been billed to me. I provided detailed documentation explaining that the charge was caused by a known system error at XXXX XXXX, which multiple agents acknowledged. I clearly explained that the issue was not whether I made the purchase, but that I should never have been charged in the first place due to a mishandled rebooking after a canceled flight. 

Despite sending in extensive documentation ( including emails, written statements, and agent confirmations ), American Express denied the dispute on the basis that I had " purchased the ticket '' ignoring the actual reason for the dispute. It appears that none of the evidence I submitted was meaningfully reviewed. 

After the dispute was closed, I requested access to the documents I uploaded to the Amex portal ( which took over XXXX hours to prepare ). I was told that I can not retrieve these documents because they are now internal and no longer available to me, even though I am the one who submitted them. I was also told by a representative that Amex has no way to provide them, until I mentioned I would file a CFPB complaint at which point they suddenly opened a document request that may take XXXX days. 

I am now preparing legal action against XXXX XXXX, and I need this documentation to support my case. I am requesting that American Express : XXXX. Provide all documentation I submitted through their dispute portal. 


XXXX. Re-evaluate the handling of my dispute, considering the actual substance of my complaint, not just the fact that a transaction occurred. 

Additionally, I was told by XXXX American Express representative that the company might write off the charge internally and that I would not be rebilled. However, other representatives have told me the opposite that I will be billed again and that it could happen weeks or even months after the dispute closure. I have now spoken with multiple representatives and received completely contradictory information, with no one able to provide a clear or consistent explanation or written confirmation. 

As of now, I have no idea when or if the {$260.00} will be billed back to my card. American Express has created significant financial uncertainty and has offered no formal resolution. This lack of transparency and accountability has left me in an ongoing state of confusion despite my consistent efforts to follow their process. I am now considering legal action against American Express in addition to my action against the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
According to 15USC 1681 I have the right to dispute inaccurate and unverifiable information that's on my credit report. I disputed multiple times with the credit bureaus, also sending complaints to the CFPB but no action has been done and the Bankruptcy is still reporting on my credit report. It continues to come back updated and verified without a proper investigation. The credit bureau failed to send me any of the information I requested even with my other complaints they never send the verification from the REPORTING BANKRUPTCY COURT. The FCRA requires information be verified through the ORIGINAL SOURCE.

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 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
Consumer Name : XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian 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 a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, and a personal credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, or hard inquiries as reported. The aforementioned accounts, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX, XXXX, XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, 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 2025-06-28 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: OH

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number Last XXXX : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion, Experian, Equifax 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 a Accounts : 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  date opened XX/XX/XXXX bal. {$570.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 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 2025-06-28 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: HI

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My identity was stolen and used to open fraudulent accounts that are now showing up on my credit report. I filed an FTC identity theft report, a police report, submitted my ID and proof of address, and uploaded everything through Experians portal. Yet the accounts are still there, and no one has taken action.

Whats even worse my report now shows multiple incorrect Social Security numbers that do not belong to me. This is a serious violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 605B, which clearly states that fraudulent items must be blocked within 4 business days once a valid identity theft report is submitted.

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 2025-06-28 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 non-monetary relief
Consumer complaint received 2025-06-28 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: MS

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional XXXX  days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any 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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I submitted a request to Transunion via certified mail requesting to remove inaccurate addresses and employment information with my identification and they said my identification was incorrect. They

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 2025-06-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank tried to charge my bank account XXXX  times in XXXX month for same amount when was already paid. I had the foresight to block them from my bank, so only XXXX went through. They are trying to pull money without my authorization.

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 2025-06-28 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: HI

Complaint narrative:
I am writing to dispute inaccurate and potentially unlawful information on my credit report regarding an account reported by XXXX XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX  The Date of Last Activity is reported as XX/XX/XXXX, yet the Date of Last Payment is listed as XX/XX/XXXX, which is inconsistent with the account being charged off.

This suggests the account has been re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA 605 ( c ) ), and may result in the account remaining on my credit report beyond the legal 7-year limit.

I request that you : Conduct an investigation with the furnisher ( XXXX XXXX ). 

Verify the accurate Date of First Delinquency. 

Delete the account entirely if it can not be verified as accurate and compliant with FCRA guidelines. 

Please send me written confirmation of your findings and any changes made.

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 2025-06-28 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: EQUIFAX, INC.
State: HI

Complaint narrative:
I am writing to dispute inaccurate and potentially unlawful information on my credit report regarding an account reported by XXXX XXXX XXXX XXXX ( Account # : XXXXXXXX XXXX XXXX  The Date of Last Activity is reported as XX/XX/XXXX, yet the Date of Last Payment is listed as XX/XX/XXXX, which is inconsistent with the account being charged off.

This suggests the account has been re-aged, which is a violation of the Fair Credit Reporting Act ( FCRA 605 ( c ) ), and may result in the account remaining on my credit report beyond the legal 7-year limit.

I request that you : Conduct an investigation with the furnisher ( XXXX XXXX ). 

Verify the accurate Date of First Delinquency. 

Delete the account entirely if it can not be verified as accurate and compliant with FCRA guidelines. 

Please send me written confirmation of your findings and any changes made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Let me be absolutely clearthis complaint is legitimate and demands your immediate attention. My credit report contains inaccurate and misleading information that fails to meet the legal requirement of maximum possible accuracy. These are not trivial errorsthey are actively damaging my financial standing and overall well-being.

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 2025-06-28 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-28 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: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

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 2025-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNTDEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNTDEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-28 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT XXXX YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, 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