vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
TO : American ExpressAttn : Legal Department / Compliance XXXX XXXX XXXX XXXX, NY XXXX RE : Reference Numbers XXXX, XXXX, XXXX FORMAL DEMAND FOR SECURITIES DISCLOSURE, GAAP ACCOUNTING, AND RETURN OF ASSETS RE : Unlawful Use and Monetization of Promissory Note / Application Account ( s ) Denied To Whom It May Concern, This letter serves as a formal legal demand and notice of claim regarding the unauthorized and undisclosed use, monetization, and securitization of one or more promissory notes and credit applications submitted by the undersigned to American Express. I am asserting my secured party creditor position over the instruments in question and demanding immediate disclosure and restitution. 

Upon information and belief, the application ( s ) submitted under my name were : Converted into financial instruments or receivables; Recorded as assets on your internal books and ledger ; Monetized, pledged, or securitized in violation of full disclosure laws ; Used to generate commercial gain without disclosing material facts. 

Pursuant to the Federal Reserve Act, Truth in Lending Act ( TILA ), GAAP, FASB ASC 860, and UCC Articles 3 and 9, I demand the following : DEMAND FOR FULL SECURITIES AND ACCOUNTING DISCLOSURE : A full copy of the original signed credit application or promissory note, including metadata and chain of custody. 

A complete GAAP-compliant ledger and accounting entry showing how the application or promissory note was recorded, valued, and classified. 

Identification of any XXXX  number or instrument identifier associated with securitization or collateralization of the submitted documents. 

Copies of any Pooling and Servicing Agreements ( PSAs ), Trust Prospectuses, or asset-backed securities filings ( e.g., Form 10-K, 8-K, 15-D ) referencing the application. 

Disclosure of any internal or third-party account or instrument number used in connection with the credit application ( s ), including accounts generated and subsequently denied. 

Documentation of any assignment, pledge, sale, or securitization of the application under XXXX XXXX XXXX. 

Confirmation of any discounting or collateralization with the Federal Reserve or under Regulation D or E. 

LEGAL FOUNDATION FOR THIS DEMAND : Federal Reserve Act 13 & 16 15 U.S.C. 1601 et seq. ( TILA ) 15 U.S.C. 77b ( a ) ( 1 ) ( Definition of Security ) UCC 3-104, 3-501, 3-603, XXXX XXXX XXXX XXXX Transfers and Servicing 31 U.S.C. 3123 Public debt obligations and full faith and credit GAAP principles governing recognition of receivables and liabilities. 
I will run an forensic Audit on the account numbers, and if any Fraud appears from the audit, I will not only sue, but report you to the SEC for Securities fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: WA

Complaint narrative:
I am reporting inaccurate and misleading credit reporting on my account with COMENITY CAPITAL / XXXX, which is currently listed as an open charge card account with a limit of {$500.00} and a current balance of {$500.00}. The account reports a 30-day late payment for XX/XX/XXXX, despite the fact that I took proactive steps to resolve the issue in good faith. 

On or around XX/XX/XXXX, I contacted Comenity Banks customer service line to notify them of my situation and ensure my payment would be processed before any derogatory marks were reported. I clearly explained that I was experiencing financial strain, but that I fully intended to make the payment. The customer service representative acknowledged my call and informed me that although the account was approaching delinquency, I would be reported as late if I did not pay by a certain date. 

I subsequently made the payment on XX/XX/XXXX, before the end of the month. Despite this, my credit report is showing a 30-day late payment, which is both misleading and punitive, especially given that I reached out in advance, followed their verbal timeline, and upheld my end of the conversation. 

This violates the Fair Credit Reporting Act ( FCRA ) in the following ways : Under FCRA 1681e ( b ), furnishers and CRAs must report with maximum possible accuracy. Reporting this as 30-days late after my timely effort and repayment is misleading and lacks context.

Under FCRA 1681s-2 ( a ), furnishers have an obligation to report information accurately and fairly, including payment history that reflects customer actions in good faith. 
Verbal agreements regarding payment timelines, especially those acknowledged by a customer service rep, should be honored when payments are made as discussed. 
This late mark is now unfairly damaging my credit and does not reflect my intent, actions, or financial responsibility. I have maintained regular payments and made sure this account remained current after the call. There is no record of default, no collections, and the account is currently active.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

FRAUDULENT ACCOUNTS : Account Name : XXXX  XXXX # XXXX - Date Opened XX/XX/year> UNAUTHORIZED INQUIRIES : XXXX  XX/XX/year> TransUnion XXXX XXXXXX/XX/year> TransUnion XXXX XXXX XX/XX/year> TransUnion

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 2025-06-08 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: SC

Complaint narrative:
RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that 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 XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.

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 2025-06-08 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX -- XXXX ( b ) ( XXXX ). 

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim XXXX XXXX XXXX of Debt XXXX  and would like for all listed accounts to be blocked and deleted company information from TransUnion. 

Please delete the following accounts : XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-06-08 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: NH

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XX/XX/2023 Experian XXXX XXXX  XX/XX/2023 Experian

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 2025-06-08 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: NC

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kimball, Tirey & St. John LLP
State: IL

Complaint narrative:
The apartment never informed me about any such dues through any means of communication. The collection agency never reached out to me or communicated to me in any way about this. I came to know about this through my credit report. 
All dues were settled with the apartment as one of the lease holders of this unit is still living in the apartment building and it was mandatory to clear all the dues before a new account is created on his name. 
The apartment and their management company never reached out, informed about this or else it would have been made clear to them that all dues were settled prior to the move to new unit in the same apartment by one of the lease holders and it is their mismanagement which resulted in all this confusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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: LA

Complaint narrative:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate. 

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
am reporting a fraudulent and inaccurately reported account listed under Capital One on my credit report. This account is listed as a credit card opened on XX/XX/XXXX, with a credit limit of {$500.00}, and a paid, closed status as of XX/XX/XXXX. The account shows XXXX derogatory late payments, including multiple 30-day late marks across different reporting periods, and a comment that it was closed at credit grantors request. 

More concerningly, I am seeing two Capital One tradelines listed on my XXXX  report, which appear to be either duplicates or the result of fragmented reporting. This is deeply misleading and damaging to my credit profile. I have no recollection or record of ever applying for, authorizing, or using any credit card issued by Capital One. I have never received billing statements, communications, or account details from this institution, and I never gave informed consent to enter into any financial agreement with them. 

The remarks falsely indicate that the account was previously in dispute and that Capital One completed an investigation. However, I never received any proper documentation or proof of such an investigation. To date, no validation of debt, signed application, or transaction record has been provided to confirm that this account was lawfully opened in my name. 

This account ( or potentially XXXX accounts ) is damaging my credit history by reporting late payments, inflated balances ( up to {$960.00}, far exceeding the credit limit ), and implying I was delinquent and then dropped by the creditor. This is extremely harmful and completely inaccurate. The presence of this data is a direct violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I am filing a complaint regarding the inaccurate reporting of late payments, improper handling of financial hardship communication, and the unfair closure of my account with Best Buy / CBNA ( Citibank NA ). This account was opened on XX/XX/XXXX, with a credit limit of {$2000.00} and is now closed with the remarks paid in full for less than full balance. It currently reflects three derogatory late payments ( 30, 60, and 90 days ) leading up to a charge-off and closure in XX/XX/XXXX. 

This credit reporting is both unjust and damaging, particularly because I proactively contacted Citibank in advance to request payment assistance, a hardship plan, and a deferment arrangementspecifically to avoid being marked late. 

In early XX/XX/XXXX, I called CBNA and explained that I was going through an extremely difficult financial period due to personal hardship. I made a good-faith effort to ask for : A temporary payment deferment An opportunity to set up an installment plan Relief from late reporting while I navigated my financial recovery During this call, I was not informed of any formal hardship options, nor was I given clarity on whether my account would avoid derogatory reporting. I was never offered enrollment into any structured hardship program, even though I clearly communicated my willingness to pay and my intention to resolve the balance. 

I was told that I would be allowed some flexibility in making the payment and that my effort to call ahead of time would be noted. However, despite this proactive step, the account was : Marked 30 days late in XXXX XXXX 60 days late in XXXX 90 days late in XXXX, and then Closed in XX/XX/XXXX and reported as Paid in settlement This not only penalizes me for trying to handle the situation responsibly, but it also reflects neglect on the part of the creditor to provide transparency or solutions under the Equal Credit Opportunity Act ( ECOA ), which protects consumers requesting assistance due to financial hardship. 

Additionally, I was never notified in writing that the account would be closed or charged off. There was no follow-up to my original phone call, no outreach regarding alternative solutions, and no validation of debt before the settlement was applied. 

The Paid in settlement remark is also misleading and damaging, as I was never given a chance to discuss or agree to a settlement offer, nor did I request one. I made a payment toward the balance with the intention of paying it off, but it appears CBNA applied it as a settlement without consent. This is a mischaracterization of my actions and financial intent.

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 2025-06-08 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: TN

Complaint narrative:
I have submitted a dispute with the credit bureau in XX/XX/year> which I advised representatives of information being a result of identity theft and the information is still being reported which I have demanded them to delete.Below the FTC report is attached. 
* * Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX  [ XXXX  XXXX XXXX ] To Whom It May Concern, This letter serves as a * * formal demand * * for the immediate * * removal of the above-referenced account and any associated late payments * * from my credit report. I have disputed this inaccurate information multiple times, and your responses have claimed that the account has been " verified. '' That response is both unacceptable and in violation of my rights under federal law. 

Let me be clear : - This account * * does not belong to me * *. 
- I have never opened, authorized, or acknowledged this account. 
- You have * * not provided any evidence * * of a contractual relationship between myself and this creditor. 

Under the * * Fair Credit Reporting Act ( FCRA ) Section 611 * *, you are * * required * * to conduct a reasonable reinvestigation of any disputed information and * * delete or correct any item that is inaccurate, incomplete, or can not be verified * *. 

To date, you have failed to comply with this obligation. 

Additionally, I am demanding the following under * * FCRA 611 ( a ) ( 7 ) * * : 1. A complete description of the method of verification used.

2. A copy of all documents you relied on during the reinvestigation including any documentation bearing my * * wet signature * *.

3. The name, address, and phone number of each furnisher contacted during your investigation. 

If you can not provide * * verified and signed documentation * * proving that this account is legally mine, you are * * legally required to delete the account * * and all associated late payments immediately. Failure to do so is a direct violation of my rights under the * * FCRA * * and could result in legal action. 

You are hereby notified that if this inaccurate information is not deleted from all three of my credit reports within * * 15 business days * *, I will escalate this matter by : - Filing a complaint with the * * Consumer Financial Protection Bureau ( CFPB ) * * - Filing complaints with my * * State Attorney Generals Office and the FTC * * - Exploring * * legal action for willful noncompliance * * under * * FCRA 616 and 617 * *, where I may seek actual and punitive damages This letter is being sent via * * certified mail with return receipt * * to document your receipt. I expect written confirmation of the deletion within the timeframe specified above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am filing this complaint because LVNV Funding LLC is reporting a collection account on my credit reports that I was never notified about and that has not been validated. 

The original account was with XXXX XXXX XXXX. I was never informed of any sale or assignment of this debt to LVNV Funding, nor did I receive any communication from them before they began reporting the account under their name. 

On XX/XX/year>, I sent a formal debt validation request to LVNV Funding under 15 USC 1692g of the Fair Debt Collection Practices Act. In my letter, I requested : Proof that they own or have been assigned the debt A copy of the original contract or agreement A full itemized breakdown of the balance Proof that they are licensed to collect in my state I have not received any response or documentation. Despite this, LVNV continues to report this account on my credit file, negatively impacting my score and financial standing.

I believe this violates my rights under the FDCPA and Fair Credit Reporting Act ( FCRA ). I am requesting that this account be removed if proper documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-08 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:
Please help me, I have attached supporting documents

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 2025-06-08 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent information from my credit file. I am a victim of identity theft, and there are multiple accounts and inquiries listed on my credit report that I did not authorize or apply for. These items are not accurate and do not belong to me. 

In accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ), I request that you block and remove the unauthorized accounts and inquiries from my credit report. Attached to this letter, you will find a list of the disputed items as well as a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please take the necessary steps to investigate and delete these items from my credit report as soon as possible. I appreciate your prompt attention to this matter and request written confirmation once the corrections have been made.

Company response to consumer: Closed with non-monetary relief