vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Kirschenbaum & Phillips P.C
State: NY

Complaint narrative:
My name is XXXX XXXX, I have additional information about a previous complaint I filed against Kirschenbaum, Phillips XXXX XXXX, XXXX.. I have contacted The XXXX XXXX XXXX XXXX about this Matter. I was informed that I only owed {$5000.00}. I was sent a statement of how much was paid on the account. XXXX XXXX informed me that I never owed {$17000.00}. Kirschenbaum , Phillips XXXX XXXX XXXX XXXX XXXX only sent {$100.00} of five payments and one payment of {$820.00}. I was paying {$500.00} a month. which is not showing. I sent 2 copies of {$500.00} of checks paid out to Kirschenbaum and the rest of payments made in bank statements. XXXX is now looking into the matter. Kirschenbaum , Phillips XXXX XXXX XXXX XXXX XXXX  had 2 account numbers for 1 amount, XXXX ( {$100.00} ) XXXX ( {$400.00} ) total {$500.00} a month. I was sent an email by there Lawyer stating that he found out that I was paying {$400.00} a month. Which I was paying {$500.00}. Where is that money I paid. My income was XXXX a month at that time. More money was levied from my aaccount on XX/XX/XXXX for {$620.00}, which should not have been taken there is a stayed on the court order. {$3800.00} has already been taken on XX/XX/XXXX. Next court date is XX/XX/XXXX. Which means my bank account will be frozen from XX/XX/XXXX until XX/XX/XXXX 5 months. I can't get acces to funds to pay bills for my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: GA

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-21 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: MO

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-20 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-20 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: GA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY

Complaint narrative:
I am filing this complaint because Crown Asset Management ( and/or their law firm [ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX filed a debt collection lawsuit against me without ever sending any prior letter or validation notice. 

The first time I heard about this alleged debt was when I was served with the court summons. I was never given a chance to verify or dispute the debt before being sued. 

After receiving the summons, I sent two written requests asking for proof of ownership and validation of the alleged debt. The only response I received was a generic letter that did not include any documentation showing that Crown Asset Management purchased or owns my account. 

This conduct violates the Fair Debt Collection Practices Act ( FDCPA ) and New Yorks Debt Collection Rules, which require collectors to send written notice and provide validation before initiating legal action. 

I respectfully request that your office investigate this matter, as I believe this company and their attorneys are filing lawsuits without proper documentation or consumer notification. 

I can provide copies of : The lawsuit papers, My dispute and validation request letters, My certified mail receipts, and The response letter I received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: WI

Complaint narrative:
I am disputing inaccurate reporting by Equifax on my XXXX XXXX XXXX account. The account was closed in XXXX, and all late payments occurred in XXXX. Equifax is now reporting late payments dated XXXX, which is illegal re-aging and violates FCRA 623 ( a ) ( 5 ), requiring furnishers to report the original delinquency date accurately. 

XXXX XXXX XXXX report the correct XXXX late payments, showing Equifaxs reporting is inconsistent and can not be verified. I request that Equifax delete the account entirely or correct the late payment dates to reflect the original XXXX delinquency.Attached are supporting documents, including proof of the account closure and screenshots of XXXX XXXX XXXX  showing the correct XXXX late payments. Please investigate this matter and ensure my credit report reflects accurate, verifiable information per federal law. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 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: AZ

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 2025-11-20 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-20 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: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XXXX XXXX XX/XX/25, XXXX  XXXX XX/XX/25, XXXX XX/XX/25, XXXX  XX/XX/25, XXXX  XX/XX/25 ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I am reaching out to formally request an urgent resolution under the Fair Credit Reporting Act. This correspondence serves as a notification of identity theft and fraud, prompting a need for immediate action concerning my consumer credit report. As per FCRA 605B, I am seeking the removal of specific fraudulent information within the stipulated four-business-day timeframe.The fraudulent activity involves the following unrecognized hard inquiries appearing on each of my consumer FICO credit reports. These fraudulent and unrecognized, unauthorized hard inquiries are as follows ( XXXX XXXX XXXX XX/XX/25, XXXX  XXXX XX/XX/25, XXXX XX/XX/25, XXXX  XX/XX/25, XXXX  XX/XX/25 ) These inquiries are fraudulent and I demand they be removed from each of my consumer credit reports pursuing to my rights within the FCRA and the FDCPA laws. I have given no permission or permissible purpose for these items to be reported on my credit profiles.

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 2025-11-21 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: NV

Complaint narrative:
In XXXXXXXX XXXX XXXX  I booked two charter flights with XXXX XXXX XXXX ( XXXX ) and paid XXXX a refundable deposit totaling {$90000.00}. See Exhibit 1. After the conclusion of the flights, on or about XX/XX/year>, I contacted XXXX about the refund of the deposit to my American Express credit card. On XX/XX/year>, I received an email from XXXX stating the following : The security deposit hold for both flights in the amount of {$44000.00} and {$46000.00} should have been credited back to your card. You are not responsible for these amounts. I have escalated this to our processing team and the credit will be issued back. 

See attached. 

The {$90000.00} deposit was never credited back to my American Express card. 
I filed a complaint and claim with Amex and they took 60 days to deny the claim. I did further research and learned that the company isn't even in business and shouldn't have an active merchant account because the entity filed to cease their ability to duct business with the state of Florida. They therefore fraudulently charged my card and Amex is allowing them to operate a merchant account without a business license associated with that account. I brought this to the attention of Amex and was told they would look into this and no recourse has been completed. 

Attached are the documents supporting the claim that the business is not in business anymore as well as the email correspondence with Amex.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-11-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Finmax Smart Capital LLC
State: OH

Complaint narrative:
A lady called me phone 4 times non stop DEMANDING I make a payment. I asked what was it for and she stated that I should know since I made the debt. I was confused. My ex husband and grandmother also told me they call stated they was going to arrest me ans damage my credit if I didnt send them a payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: SOFI TECHNOLOGIES, INC.
State: CA

Complaint narrative:
I have several questions and concerns with respect to SoFi 's response to the CFPB Complaint Case XXXX XXXX. I have listed them below. 

1. First of all, I solemnly, sincerely and truly declare and affirm that I am telling the truth, the whole truth and nothing but the truth that I did not receive SoFis email dated XX/XX/year>. Please work with XXXX and prove to me that the email was delivered to my email address at XXXX. 

2. The screenshot of the email that SoFi claims to have sent to me on XX/XX/year> does not have the components of an email such as sender, recipient, timestamp, subject, disclaimer etc. It looks like a photoshopped image and does not look like a legitimate screenshot. Please share a screenshot captured from your mailing system. Your email system will have logs, and must have captured tracking for the email sent on XX/XX/year>. Please share the same with me. 

3. Regarding the email that Sofi claims to have sent to me on XX/XX/year>, I would like to know if the details mentioned in the email such as account closure upon non-verification of residency, and the suggested next steps were recorded in a Terms & Conditions, and Policy document, and was acknowledged by me. To my best knowledge, no such updated Terms & Conditions, and Policy document was sent to me.

4. In the email dated XX/XX/year> that SoFi claims to have sent to me, there are details on the consequences of not updating residency, as well as Next steps mentioned. Why did Sofi not mention the same details in the email dated XX/XX/year>? Your lack of clarity in the initial email sent on XX/XX/year> is the reason that led to the forced closure of my account. 

5. In the email dated XX/XX/year> that SoFi claims to have sent to me, SoFi assumed that I no longer live in the US. But till date, the SoFi marketing team sends me marketing mails to my address at XXXX XXXX XXXX XXXX XXXX CA XXXX selling their Home Equity Loan products to me. The most recent mail was sent to me in the 1st week of XX/XX/year>. How is SoFi sending me these mails when it has already assumed that I don't live in the US? When will SoFi stop spamming my postal box with these unwanted marketing mails? Please don't send me marketing mails to my address on file. 

I held XXXX and XXXX stocks, both of which were dividend paying stocks, in my SoFi investing account till the day my account was forcefully closed. SoFi has usurped the dividends from these two stock holdings. Pay me back my missing dividend money alongwith interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 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: NY

Complaint narrative:
I kindly ask for the immediate removal of this inquiry from my credit report, as it is not connected to me, and I have no relationship with the creditors involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: FIRST PORTFOLIO SERVICING INC
State: KY

Complaint narrative:
I did not open this account it doesn't have my correct name and card company can not provide me with my signature or ID that opened the account. They keep just sending me the billing statement. This account is fraud.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation