vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
I submitted a timely Validation of Debt request to CREDENCE RESOUCE MANAGEMENT regarding Account Number : XXXX XXXX XXXX XXXX for the alleged balance of {$380.00} under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. In that request, I specifically asked for proof of ownership of the alleged debt, a valid purchase agreement for the portfolio containing my account, a complete and unbroken chain of title from the original creditor to the debt collector, and a copy of their state bond or license required to collect in my state. Despite this request, CREDENCE RESOUCE MANAGEMENT failed to provide any of these critical documents. They continue to report negative information to the credit bureaus and attempt to collect on a debt they can not legally prove they own or are authorized to collect. By furnishing derogatory credit information without proof of ownership or proper documentation, they are in violation of 15 U.S.C. 1692e of the FDCPA and may also be violating the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ), for reporting unverifiable or inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
Charged global entry fee of {$120.00} to Amex XXXX XXXX XXXX card XX/XX/XXXX. XXXX states each cardholder gets a credit for this purpose once every 4 years. Called after purchase on XX/XX/XXXX or XX/XX/XXXX to confirm eligibility as my wife used the benefit on her card under the se account, bit different card number. Was told as it was her cars, not an issue as benefit applies to each cardholder. I could have canceled and gotten credit for this transaction through another travel card I hold, but took Amerocan Express at theor word. Was told credit takes XXXX weeks to process. Called on XX/XX/XXXX to investigate credit at XXXX as it had been XXXX weeks. Escalated to supervisor named XXXX who told me I had to wait another XXXX weeks as it can take XXXX, but said verbatim I would get the credit. His exact words were, " You will get the credit. ". Called XXXX and was now told I would not get credit and was not eligible. Threatened to cancel card and was connected with an account representative named XXXX who told me he took my complaint seriously and would have resolution by XX/XX/XXXX. Never heard back. Called XX/XX/XXXX and spoke with XXXX who told me nobody had reviewed the case but that it was open. Again threatened cancellation and was connected with an account manager named XXXX who conducted research and told me I would receive no credit. Advised her I would file complaints with CFPB and XXXX  which I am now doing. Have been misled for 2 months and there is no accountability yet they say their calls are recorded and I've been made commitments to multiple times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-19 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: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-19 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: PA

Complaint narrative:
Re : Dispute of Inaccurate / Compromised Information Data Breach I am writing to dispute inaccurate and compromised information appearing in my credit file, which I believe is a result of a data breach involving TransUnion. My personal information has been exposed, and as a result, my credit report now contains inaccurate and potentially fraudulent data. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ) and 1681i, requires consumer reporting agencies to maintain and report only accurate information, and to conduct a reasonable reinvestigation of disputed items. Because this breach has resulted in the compromise of my personal information, the following entries are inaccurate and must be permanently deleted from my credit file : 1. Account Name : XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account Name : XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX : Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX. Account : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX  I request that you immediately : Conduct a full reinvestigation of all disputed information. 

Permanently delete or block any inaccurate, fraudulent, or compromised information from my file. 

Provide me with written confirmation of the results of your investigation. 

Enclosed are copies of supporting documents verifying my identity and my dispute. 

This is a formal request for compliance under the FCRA. If these inaccuracies are not corrected, I reserve the right to pursue further remedies available under federal law.

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 2025-09-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Arkansas XXXX XXXX XXXX XX/XX/XXXX Formal Credit Report Dispute under 15 U.S. Code 1681 To Whom It May Concern : I am writing to formally dispute inaccurate and unauthorized information listed on my credit report, as provided under my rights in the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Upon reviewing my credit report from your agency, I identified the following XXXX XXXX XXXX  and XXXX XXXX high school that I do not recognize and did not authorize : Unauthorized account / fraudulent activity likely linked to identity theft resulting from a major data breach in XXXX. 

As you are likely aware " The XXXX XXXX data breach '' or " XXXX XXXX  breach '' ] exposed the personal information of millions of individuals, including names, Social Security numbers, and other sensitive identifying data. I have reason to believe my personal data was compromised during this breach, resulting in fraudulent activity on my credit file. 
Pursuant to 15 U.S.C. 1681i ( a ), I am requesting a full investigation into this/these disputed item ( s ). Please : 1. Investigate and delete or correct any information that is found to be inaccurate or unverifiable.

2. Provide me with a written response of your investigation, including the name, address, and phone number of the data furnisher.

3. Send me an updated copy of my credit report once corrections are made, as required by law.

Enclosed are the following supporting documents : A copy of my credit report with the disputed item ( s ) highlighted.

A copy of my government-issued ID and proof of address.

Police report or FTC Identity Theft Report.

Under 15 U.S.C. 1681c-2, I also request that a fraud alert or security freeze be placed on my file to prevent further damage, if not already in place. 
Please consider this letter as notice of dispute and potential identity theft. If this item is not removed or corrected within the legal 30-day timeframe, I will consider further legal action and may file a complaint with the Consumer Financial Protection Bureau ( CFPB ) or my states Attorney General.

Thank you for your immediate attention to this matter. 

Sincerely, 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 2025-09-19 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 am disputing the accuracy and completeness of the information being reported on my credit file. The following accounts are reporting unverifiable, outdated, and/or inconsistent information across TransUnion, Equifax, and Experian, in violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

On XX/XX/year>, an account with a reported balance of {$2900.00} / $ XXXX {$17000.00} / {$7800.00} / {$11000.00} was listed as " in good standing '' by one bureau, while another bureau reported the account with late payments and an inaccurate status. I have not received proper documentation validating this account, nor have I received notice of delinquency from the furnisher as required by 15 U.S.C. 1681s-2 ( a ) ( 7 ). 

Additionally, the payment history dates are inconsistent between bureaus, with one reporting last activity in XX/XX/year> and another reporting last activity in XX/XX/year>. These conflicting dates make the information unreliable and unverifiable under FCRA standards. 

I have contacted the original creditor previously requesting validation of the debt and a correction of any inaccurate reporting, but no corrected documentation was provided. As such, this information must be investigated, verified, and permanently deleted if the furnisher can not provide written proof of accuracy and completeness.

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 2025-09-18 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: FL

Complaint narrative:
I disputed this account before and there are still inaccuracies and incomplete information on my credit report. I am requesting the description of procedures and they have 15 days to provide it to me or they have to delete the inaccurate accounts i am disputing. Attached is the letter requesting the description of procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
In line with federal law ( 15 U.S. Code 1681g ), remove these disputed accounts within 15 days.

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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
THIS LATE PAYMENT WAS DUE TO AN ERROR MADE BY THE DEALERSHIP AND/OR BANK. I WAS NEVER NOTIFIED BY EMAIL, TEXT OR MAIL ABOUT MY PAYMENT UNTIL THE WEEK OF XX/XX/year>. AS SOON AS I WAS ABLE TO LOCATE WHICH LENDER THE DEALER FINANCED MY LOAN THROUGH, I MADE THE PAYMENT RIGHT AWAY. PLEASE REMOVE THE LATE PAYMENT FROM MY CREDIT. I ATTACHED THE DOCUMENTS I RECIEVED FROM TD AUTO FINANCE WHICH ALL CAME ON THE SAME DAY/WEEK OF XX/XX/year>. I WAS ESSENTIALLY XXXX TO WHO MY CREDITOR WAS AND I HAD TO CALL THE DEALERSHIP SEVERAL TIMES TO FIND OUT WHAT WAS GOING ON. I HAD PLENTY OF FUNDS AND THE INTENT TO MAKE MY PAYMENT. PLEASE REMOVE THE LATE PAYMENT AS A GOODWILL REQUEST.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ProCollect, Inc.
State: FL

Complaint narrative:
I have received a copy of my credit report and have found many inaccurate information. I demand that this account be deleted TO WHOM IT MAY CONCERN IN REFERENCE TO THIS ACCOUNT LISTED BELOW : Lease debt misclassification illegal re-aging. 
DELETE FROM CREDIT REPORT I WILL PAY ANY FINANCIAL OBLIGATION WHICH I MIGHT LAWFULLY OWE, ON THE CONDITION THAT THEY PROVIDE ME WITH : 1. I NEED THE FOLLOWING VALIDATION OF THE DEBT - THAT IS THE ACTUAL ACCOUNTING 2. VERIFICATION OF THEIR CLAIM AGAINST ME ; THIS IS A SIGNED INVOICE.

3. A COPY OF THE CONTRACT BINDING BOTH PARTIES ( ME AND THEM ), IN A LETTER BY CERTIFIED MAIL SO THAT THERE IS AN INDEPENDENT " WITNESS TO IT HAVING BEEN DELIVERED. '' PLEASE SEND ME THE TRACKING NUMBER AS WELL.

FURTHERMORE, I WILL ALSO NEED : 1. FULL DISCLOSURE I WAS NOT TOLD THAT YOU WERE ACTUALLY CREATING THE CREDIT WITH MY WET INK SIGNATURE 2. EQUAL CONSIDERATION THEY BROUGHT NOTHING OF VALUE TO THE TABLE AND HAS NOTHING TO LOSE XXXX. LAWFUL TERMS AND CONDITIONS BECAUSE YOURS WERE BASED ON FRAUD 4. THE WET INK SIGNATURES OF BOTH PARTIES I AM WRITING TO INFORM YOU THAT IM NOT IN DISPUTE WITH ANYTHING BUT I DEMAND THE FOLLOWING LISTED ABOVE BE PROVIDED IN ORDER FOR ME TO BE ABLE TO MAKE PAYMENT. 
PLEASE RESPOND BACK WITHIN 15 DAYS OF THIS CERTIFIED LETTER. 
IF YOU DO NOT RESPOND I WILL CONSIDER THE DEBT TO BE FULLY DISCHARGED AND I WILL NEED IT IN WRITING SINCE YOU DID NOT RESPOND BY THE STATED ABOVE TERMS TO PROVIDE THE NECESSARY EVIDENCE OF A LAWFUL DEBT WITHIN THE REASONABLE PERIOD OF TIME PROVIDE, I WILL CONSIDER THE DEBT IS FULLY DISCHARGED. 
WITHOUT PREJUDICE

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 2025-09-19 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: TX

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$440.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XXXXXXXX XXXX XXXXXXXX XXXX Date Filed/Reported : XX/XX/year>

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 2025-09-19 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:
I noticed some unauthorized accounts while reviewing my credit profile with my lawyer and i was notified that I have been directly affected by the Equifax data breach and possibly the XXXX breach. Please remove and prevent these accounts from reporting to my profile according to FCRA 605B. This is my written notice before further legal action.

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 2025-09-19 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 noticed some unauthorized accounts while reviewing my credit profile with my lawyer and i was notified that I have been directly affected by the Equifax data breach and possibly the XXXX breach. Please remove and prevent these accounts from reporting to my profile according to FCRA 605B. This is my written notice before further legal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against AMEXXXXX, a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute ( attached ) challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( 2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMEXXXXX 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 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX / XXXXXXXX XXXX XXXX XXXXXXXX This collection agency has a history of utilizing the smear tactics to sabotage and smear consumer credit files. This practice of forceful collection tactic is both damaging to consumer credit file and is a violation of the Fair Credit Debt Collection Practices Act.

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 2025-09-18 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief