vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Under the Fair Debt Collection Practices Act ( 15 U.S. Code 1692g ), I am exercising my right to dispute this debt and demand full validation, including but not limited to : 1. A copy of the original contract or wet-ink signature showing lawful obligation between myself and your company. 
XXXX. Proof of your legal standing as the true creditor or assignee ( Holder in Due Course ) with the authority to collect this debt.

3. A complete transaction ledger that includes the origination of the alleged debt and accounting of any assignments, charge-offs, or write-downs.

4. Clarification on whether this debt was previously discharged, canceled, or monetized via any third party, trust, or tax reporting such as IRS Form 1099-C. 
Legal Capacity Clarification Please note that I, the natural living man operating under the name XXXX XXXX : XXXX, do not assume responsibility or liability for debts, contracts, or commercial transactions conducted in the name of the legal fiction entity XXXX XXXX, without full disclosure and mutual agreement. 
If this alleged debt is tied to a legal person, trust, or corporate fiction created without my express knowledge or consent, I reserve my right to demand full disclosure of the legal authority you rely upon to enforce such a claim. 
Notice of Tender Rights Should this debt be proven valid, I reserve the right under UCC 3-603 to issue a lawful instrument or bond as tender of payment. If such tender is dishonored, the obligation is deemed discharged by operation of law. 
Final Notice and Instructions Until proper validation is received : You must cease and desist all collection activity ; You must not report this debt to any credit bureau, or continue reporting if you already have ; Any failure to comply with this request will be considered a violation of federal law, and I will file complaints with the CFPB, FTC, and my State Attorney Generals office. 
Please respond within 21 days of receipt of this letter. Failure to respond in good faith will be taken as an admission that your claim lacks merit and that no lawful obligation exists. 
Sincerely, Without Prejudice Authorized Representative, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Good day, This is my final attempt to dispute this account. Following this, I will proceed to civil court in my state of New Jersey to file a claim against your company. I am requesting an investigation and the deletion of this account. I was recently informed that my application for a position was denied due to a fraudulent account that I have previously brought to your company 's attention. I have diligently maintained all records of my previous disputes with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NJ

Complaint narrative:
Good day, This is my final attempt to dispute this account. Following this, I will proceed to civil court in my state of New Jersey to file a claim against your company. I am requesting an investigation and the deletion of this account. I was recently informed that my application for a position was denied due to a fraudulent account that I have previously brought to your company 's attention. I have diligently maintained all records of my previous disputes with your company.

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 2025-11-13 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am submitting a complaint regarding the following Resurgent Recovery account that is appearing on my credit report : RESURGERECVE Account # XXXXXXXX XXXX High Balance : {$420.00} Date Opened : XX/XX/year> Status : Collection I have no knowledge of this account, and the information being reported is inaccurate and unverifiable. This negative item is harming my credit report without any valid basis, and I am requesting a full investigation into this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I am disputing the derogatory account being reported by I C System because the information they are furnishing appears to be inaccurate, unverified, and not supported by any original documentation. When reviewing my credit reports, I noticed that I C System is reporting a collection account with a past-due balance, but none of the information has been validated or substantiated. 

I submitted disputes with the credit reporting agencies and specifically requested that I C System provide documentation verifying the account. I asked for the original creditor agreement, itemized billing statements, proof of ownership, chain of assignment, and the records used to calculate the reported balance. Instead of providing any of these documents, the credit bureaus responded with generic statements claiming the account was verified, but no supporting documentation was supplied, and I C System did not send me any validation records. 

I C System failed to provide original documentation proving the debt is valid or that they have the legal right to report it. They also did not provide a breakdown of the alleged balance, any billing history, or proof showing how the amount owed was determined. Without these documents, the accuracy and legitimacy of the reporting can not be confirmed. 

Additionally, the information I C System furnished appears inconsistently across different credit bureaus. There are discrepancies in dates, balance amounts, and status codes, which indicates the account was not properly verified before being reported. If each bureau shows different details for the same I C System account, the information can not be considered accurate or reliable. 

The account also was not marked as disputed, despite my formal disputes being submitted. Furnishers are required to add this notation when an account is under dispute, and failing to do so misleads lenders reviewing the file. 

Because I C System did not provide validation, is reporting inconsistent and inaccurate data, and has not demonstrated the accuracy of the derogatory information they furnished, I am requesting a full reinvestigation using original documentation. If I C System can not verify the account with proper evidence, the derogatory reporting should be removed from my credit file.

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 2025-11-13 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: MI

Complaint narrative:
These items are the result of identity theft please block these items from the credit report immediately pursuit to session 605C of the FRCA please notify me of the actions taken

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 2025-11-13 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: MI

Complaint narrative:
These items are the result of identity theft please block these items from the credit report immediately pursuit to session 605C of the FRCA please notify me of the actions taken

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 2025-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding the way American Express handled a financial review ( XXXX ) on my account. 

On XX/XX/year>, I submitted the required hand-signed form twiceonce through the American Express upload portal and once by physical mail as instructed. Despite providing the same document twice, American Express repeatedly contacted me requesting the exact same hand-signed form again. This indicates that the documents I submitted were either mishandled, ignored, or not reviewed properly. 

During this time, my account was placed in suspended status, and it has remained suspended for an extended period with no explanation, no confirmation of document receipt, no timeline for review, and no meaningful communication from American Express. 

In addition, a supervisor and another representative threatened to close my account if I did not re-submit the same form againeven though the required documents had already been provided twice. This created a situation that felt coercive, retaliatory, and unfair. 

I fully complied with all requests, but the company continued to ask for duplicate documentation and did not provide any clarity on the process or timeline. My treatment appears inconsistent with how other customers undergoing financial review are treated and may indicate unequal or discriminatory treatment, as well as unfair or abusive practices prohibited under federal consumer-protection laws.

I request that CFPB review American Expresss handling of this financial review, including : repeated requests for identical documents, prolonged and unexplained account suspension, threats of account closure despite full compliance, and potential unfair or disparate treatment. 

Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
The above account is being reported as a charge-off. I believe this information may be inaccurate, incomplete, or unverifiable.

Under 15 U.S.C. 1681i ( FCRA 1681i ), credit reporting agencies are required to : Conduct a reasonable investigation of disputed information.

Contact the furnisher/creditor to verify the accuracy of the reported account.

Correct, delete, or block any unverifiable or inaccurate information.

Notify the consumer of the results of the investigation and any corrections made.

I requested verification from the creditor, but they failed to provide complete documentation, including : Signed contract or agreement Itemized account statements Proof of account assignment or ownership Verification of the reported balance, high balance, and dates Despite this, the account continues to appear on my credit report, which violates FCRA 1681i.

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 2025-11-14 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: FL

Complaint narrative:
I am a confirmed victim of identity theft. 
Pursuant to 15 U.S.C. 1681c-2, you are hereby notified that the listed account ( s ) were opened fraudulently without my authorization or consent. I am formally requesting that you block and delete all information relating to these fraudulent accounts from my credit file within fourteen ( 14 ) days of receipt of this notice.

This notice is accompanied by my identity-theft affidavit, government-issued identification, and proof of address, satisfying all verification requirements under 1681c-2 ( a ). Failure to block or delete this information within the statutory timeframe constitutes willful noncompliance under 15 U.S.C. 1681n and 15 U.S.C. 16810, subject to civil penalties and attorney 's fees.

Please provide written confirmation that the fraudulent tradeline ( s ) have been deleted and that no further reporting or reinsertion will occur without certification from the original creditor as required under 1681i ( a ) ( 5 ) ( B ).

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 2025-11-13 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: PA

Complaint narrative:
I am extremely frustrated because inaccurate late payments are still appearing on my credit report this morning, and I can not understand why. These inaccurate late payments did not get removed even after I refreshed my browser. I need this issue resolved immediately, and I am urgently asking that the documents I sent be reviewed carefully so I can stop stressing over this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-14 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: NY

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 2025-11-13 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:
After reviewing my credit report, I discovered accounts that I did not recognize or apply for. 
Upon further investigation, I realized that my Personal information was exposed in several data breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts inal l did not authonze or signed a contract for must be removed off my credit report in 4 days!

These fraudulent accounts are not only damaging my credit but also causing me significant stress and anxiety. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial 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 2025-11-13 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-14 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:
trying to get credit damaging information on my credit report, as provided by your agency, in accordance with my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq.

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 2025-11-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: World Acceptance Corporation
State: GA

Complaint narrative:
I Filed For Bankruptcy, And These Company Are Still On My Report, Need Them Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
ally financial recent balance XXXX and the original was XXXX auto loan on XX/XX/year> I send out letter to all of them with my id and other proof of identifications

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-13 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: PA

Complaint narrative:
This morning I saw that unauthorized inquiries are still appearing on my credit report, and I can not understand why. They did not disappear even after I refreshed my browser. I am extremely frustrated and I am urgently asking that the documents I sent be reviewed carefully so I can finally stop stressing over this.

Company response to consumer: Closed with explanation