vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item.

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 2025-05-24 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: GA

Complaint narrative:
On XX/XX/year>, I purchased flight tickets through XXXX XXXX for my sister and her XXXX XXXX  to travel from XXXX, XXXX to XXXX, XXXX, with a scheduled departure date of XX/XX/year>. Upon arrival at the airport, the airline staff refused to allow them to board the flight, citing vague and unclear reasons. Despite my attempts to escalate the issue to supervisors at the airport, boarding was still denied. 
I subsequently contacted XXXX XXXX customer service, but they were unable to provide a clear explanation. Later, I discovered that the flight had been overbooked, and it appeared that passengers were being arbitrarily removed. Eventually, the reason given was that my sister and her children did not have the proper entry documents for XXXX. 
This claim is incorrect. As XXXX  nationals, my sister and her children only require valid XXXX  passports to enter XXXX visa or additional documentation is necessary. This requirement is confirmed by official information published by the Lebanese government, which we presented to the airline staff at the airport. However, this information was disregarded. 
It is well known that XXXX  citizens can enter XXXX with just a valid passport, and there were no travel restrictions or visa requirements in place at the time. I have attached the relevant documentation from the Lebanese authorities that confirms these entry requirements. 
Furthermore, upon disputing the charges with American Express, the airline falsely reported that my family were no-shows at the airport. This is a misleading and inaccurate statement. We provided confirmation of their transportation to the airport, and based on this, American Express reopened the case. When prompted again, the airline provided another vague and unsatisfactory explanation for why my family was denied boarding. 
Despite providing all relevant documentation, including official documents confirming our eligibility to travel, proof of our presence at the airport, and official entry requirements from the Lebanese government, Amex has failed to resolve this dispute fairly and has closed the case without proper communication or a clear explanation of the reasoning.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I received a letter stating that the statue of limitation is been exceeded and I can not be sued or marked on my credit report for this matter however, I was still sued and its still marked on all of my credit reports which is damaging my credit score immensely

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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: MD

Complaint narrative:
There are fraudulent accounts on my credit report tied to identity theft. I never authorized these transactions and havent benefited from them in any way. I took the proper steps and filed a report with the FTC, but despite that, the items are still there. Its unacceptable that Im being held responsible for someone elses actions. This has been frustrating and damaging to my financial standing.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XX/XX/year> Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX RE : Dispute of Unauthorized Debt and Cease Collection Activities To Whom It May Concern, I am writing to formally dispute the validity of a debt you claim I owe. This alleged debt, which you identify as relating to a credit card account, is completely unauthorized. I have no knowledge of the account, never signed any agreement, nor did I consent to any charges or to the release of my personal information to your agency or any third party.Pursuant to my rights under the Fair Debt Collection Practices Act, codified at 15 U.S. Code 1692g, I am requesting the following:1. The name and address of the original creditor ; 2. The exact amount of the alleged debt, with a breakdown of any interest, fees, or charges ; 3. A copy of any agreement or documentation bearing my signature showing I consented to or opened such an account ; 4. Evidence that your agency has the legal authority and standing to collect this alleged debt.Until such documentation is provided, I demand that you cease all collection efforts, including calls, letters, and threats of legal action. Continuing collection activity without validating this debt is a direct violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Georgia Attorney Generals Office.Be further advised that I am maintaining detailed records of all communications with your office. I hereby request that all future correspondence be conducted in writing only.Failure to comply with the above requirements may result in me pursuing legal remedies for violation of my consumer rights.Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

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.

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 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 to any 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

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.

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 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 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 2025-05-24 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: TX

Complaint narrative:
Upon reviewing my credit reports, I have identified several inaccuracies. The following personal information is incorrect. XXXX XXXX is being reported on all three of my consumer reports. The correct spelling is XXXX XXXX XXXX XXXX. Several inaccurate addresses and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-26 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: CA

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX 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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I reached out to Equifax, Experian and Transunion on XX/XX/year> to inform them that their are inaccuracies with late payment dates across the XXXX bureaus and that for this reason, the late payments need to be removed.

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 2025-05-24 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: FL

Complaint narrative:
I'm writing to who it may concern about fraudulent accounts and inquiries on my credit profile. I demand that these items be removed as soon as possible. It has caused me extreme hardship and issues in my life. I have documentation to support my claim. I've notified the Federal Trade Commission as well please remove these items as soon as possible. Fraudulent account and inquires listed below. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$140.00} Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-24 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:
I'm writing to who it may concern about fraudulent accounts and inquiries on my credit profile. I demand that these items be removed as soon as possible. It has caused me extreme hardship and issues in my life. I have documentation to support my claim. I've notified the Federal Trade Commission as well please remove these items as soon as possible. Fraudulent account and inquires listed below. XXXX XXXX XXXX XXXX XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX XXXX XXXX {$140.00} Fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-05-24 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: LA

Complaint narrative:
I've disputed the inaccurate bankruptcy account on my credit report with all three credit bureaus. Experian, TransUnion and Equifax. They have all stated in writing that they received the information from XXXX XXXX XXXX XXXX. I received my current XX/XX/year>, Consumer Report from XXXX XXXX and there is no bankruptcy on my Comsumer report from XXXX XXXX. I contracted the bankruptcy court, and they also stated in writing that they do not provide information to any of the XXXX credit bureaus. I would like this inaccurate information removed from my credit report. The agency and source that the credit bureaus stated they received their information from, does not have any bankruptcy listed on my consumer credit report. Therefore, this is inaccurate information.

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 2025-05-24 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( s ).

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 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: LA

Complaint narrative:
I am disputing a claim from XXXX XXXX XXXX XXXX XXXX XXXX, who is collecting on behalf of XXXX. They allege I deposited my federal tax refund check twiceonce via mobile deposit and once in person at a XXXX XXXX XXXX. The check in question is # XXXX in the amount of {$5400.00}. I cashed the check only once at XXXX and never attempted a mobile deposit. 

I contacted XXXX XXXX ( XXXX ), my bank, and they confirmed that there is no record of any duplicate deposit. I asked the collection agency to provide documentation, including account info for the supposed mobile deposit, and they refused. 

I believe this could be a case of fraud, clerical error, or identity theft. I am being asked to repay funds I did not receive, and I am concerned about the impact on my credit. I respectfully request that this matter be fully investigated and that collection efforts cease during the investigation.

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 2025-05-24 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: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 to any consumer reporting agency of 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 2025-05-24 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, EQUIFAX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> TransUnion XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 any 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 to any consumer reporting agency of 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 explanation
Consumer complaint received 2025-05-24 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: MI

Complaint narrative:
the reporting is different across XXXX different credit reports its reporting a XXXX day late payment on XXXX  in XXXX and a XXXX  day payment on transition in XXXX and I never had a late payment

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 2025-05-24 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: MI

Complaint narrative:
the reporting is different across XXXX different credit reports its reporting a XXXX  day late payment on Experian in XXXX and a XXXX  day payment on transition in XXXX and I never had a late payment

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 2025-05-24 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: ID

Complaint narrative:
I got an alert on my credit report that on XXXX XXXX  and XXXX XXXX  XXXXXXXX XXXX XXXX ran my credit for a new credit card I did not apply for or give permission for them to run my credit report for a new credit card it was not me. Then on XXXX XXXX XXXX XXXX XXXX  ran my credit for applying for a credit card again it was not me I did not apply for a credit card. I did not give them permission or sign anything to apply for a credit card. I called both companies and they both said that I needed to report the unwanted and unauthorized use of my information to CFPB to help get this resolved. These were marked as hard inquiries on my credit report hurting my score and were all for credit cards. Please help get these off my credit report and help me get my credit frozen or whatever I need to do so nobody can apply for more.

Company response to consumer: Closed with explanation