vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
On XX/XX/year> is sent a letter of Request for Correction of Personal Information and Dispute of Inaccuracies to Equifax. The results of the investigation were the accounts were updated. Then on XX/XX/year> I sent a follow-up letter to Equifax requesting them to verify the accuracy of the disputed information be reinvestagated and verified, if not it must be deleted from my credit file immediately.

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 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am filing this complaint to address the lack of response from American Express National Bank regarding my Debt Validation Letter ( DVL ) sent on XX/XX/XXXX requesting a signed contract, account statements, and proof of ownership on a XXXX Delta SkyMiles Card as required by 15 U.S.C. 1692g. My first CFPB complaint was filed on XX/XX/XXXX, noting no response from AENB by XX/XX/XXXX. This ongoing failure to validate suggests the debt is not mine, violating FDCPA requirements.There is an upcoming trial date of XX/XX/XXXX, and a Motion to Dismiss is planned due to lack of standing and FDCPA violations. I believe that this debt has been securitized and is no longer collectible by AENB for the following reasons : * Securitization of Debt : This credit card debt has likely been pooled with other receivables and sold as asset-backed securities to investors by American Express FSB who was the original creditor. This process transfers ownership of the debt, meaning American Express FSB ( rebranded into AENB ) no longer holds the legal right or standing to collect on it. 
* Transfer of Collection Rights : As a result of the securitization, the right to collect on this debt has been transferred to a trust ( likely XXXX XXXX XXXX XXXX XXXX as this trust was primarily used for travel related cards ) or the investors who then purchased the securities from the Special Purpose Entity. ( Reference SEC filings for XXXX XXXX  from XXXX ) Therefore, AENB can not legally pursue collection efforts on this specific debt. 
* Lack of Response to DVL : Despite my request for validation of the debt on XX/XX/XXXX, AENB has failed to provide the requested documentation in the required timeframe as it has now been 78 days without any response. This further indicates that they may not have the necessary documentation to validate the debt or confirm their right to collect it. 

* * Requested Action * * : - Investigate AENBs failure to validate the debt, violating 15 U.S.C. 1692g.

- Require AENB to immediately cease and desist all collection efforts, provide full validation ( signed contract, account statements, proof of ownership ), remove any related negative credit reporting, and drop the ongoing lawsuit related to this unvalidated debt. 
- Alternatively, as a settlement to avoid further legal action, accept a one-time payment of {$500.00} in exchange for a written agreement to dismiss the debt and the lawsuit with prejudice, without this offer constituting an admission of liability. 
- Impose sanctions and penalties for FDCPA non-compliance. 

I certify this information is true and accurate to the best of my knowledge. I consent to the CFPB publishing this description on consumerfinance.gov so others can learn from my experience. Submit via consumerfinance.gov on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Subject : Unable to Remove Fraud Alert Due to Inaccessible Experian Customer Service I have had a fraud alert on my Experian credit report for many years. When I try to remove it, I can not get in touch with anyone at Experian by phone. Their phone lines do not connect me to a person, and I am forced to send letters to request removal. This fraud alert is causing significant problems because companies can not reach me, and I can not update my contact information or remove the alert online. The process should take about 15 days after they receive documentation, but if it doesnt get fixed, I have no way to follow up since nobody answers. There is no clear way to resolve this issue, and Experians customer service is inaccessible. This is very frustrating and needs to be addressed.

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 2025-06-16 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

I looked at my Equifax credit report on XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting 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 2025-06-16 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:
I am writing to address a matter of non-compliance with the Fair Credit Reporting Act ( FCRA ) Section 609 by the credit bureaus. I submitted a complaint to the credit bureaus regarding inaccuracies in my credit report, as per FCRA guidelines. According to the FCRA, the credit bureaus are legally obligated to respond within 30 days of submission. However, it has now been more than 30 days since my complaint was filed, and I have not received any response from the credit bureaus. As per FCRA rules, this failure to respond within the stipulated timeframe warrants the removal of the disputed negative items from my credit report. I kindly request that the credit bureaus address this issue promptly and take the necessary steps to rectify my credit report in accordance with FCRAregulations. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CA

Complaint narrative:
I am filing this complaint under the Fair Credit Reporting Act ( FCRA ). After reviewing my credit report from TransUnion, I found several hard inquiries that I did not authorize or initiate. These inquiries were made without my knowledge, consent, or written authorization, and therefore violate my rights as a consumer under federal law. 

According to 15 U.S.C. 1681b ( 604 ), a credit reporting agency can not furnish a report without written instructions from the consumer. These inquiries were made without such permission.

Additionally, under 15 U.S.C. 1681s-2 ( a ), no information should be reported if it is known or should be known to be inaccurate or unauthorized. 

The unauthorized inquiries are as follows : XXXX, dated XX/XX/2025 XXXX XXXX, dated XX/XX/2025 These inquiries are affecting my credit score and were done without a permissible purpose. I never applied for credit with these companies. Therefore, I am requesting a full investigation and the immediate deletion of these inquiries from my TransUnion credit report. 

Thank you for your time and assistance.

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 2025-06-16 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:
Pursuant to XXXX XXXX XXXX XXXX inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by XXXX XXXX Code XXXX g ( a ) ( XXXX ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$940.00}

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 2025-06-16 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Paramount GR Holdings, LLC
State: VA

Complaint narrative:
XX/XX/year> .. I am 30 days late with the creditor GoodLeap . I have explained on numerous occasions that I am unemployed and can not make payments. They call 6 to 7 times a day. They have threatened to take me to collections for {$140.00} every time they call. Each person I speak to attempts to bully me into a payment plan. I am currently unemployed. I have explained that when I get a job I will be able to make payment arrangements. Nothing is good enough for them. They call before XXXX. They call as if we are friends. They wont take my response and attempt to bully me into a payment plan. At this point they are harassing me and Ive asked them to cease and desist calling. To utilize mailings only. Today a rep said I was acting immature because Im yelling, Im unemployed. I understand they have a job but I cant pay if Im unemployed. This is my XXXX  missed payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
The portfolio recovery charging me for something that isnt mine

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Atlanticus Services Corporation
State: NJ

Complaint narrative:
The company closed my account without my knowledge that they were closing the account after a missed payment. I continued to pay the balance without the knowledge that the available credit balance was no longer available. They continued to charge me interest for the balance. My issue here is the lack of communication of closing the account, and properly informing me that I was losing access to my credit line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: ROBINHOOD MARKETS INC.
State: NJ

Complaint narrative:
XX/XX/year>, I signed into my robinhood account and attempted to send XXXX to my miner account. I was met with a message that my account was restricted and I could not send XXXX. I used the customer XXXX  service, which I have attached. They stated they detected that I was the victim of a scam and they restricted my account. I am not the victim of a scam, I completed all the transactions. I attached their email response telling me their decision is final. I was never notified of this or given a chance to say it was not a scam. They took it upon themselves to make this determination and restrict my account. I want my account unrestricted so I can continue to make my transactions or I am closing the account and using another service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Securities fraud, fraud in the factum, misrepresentation, false and deceptive business practices, violation of the treaty of peace and friendship

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 2025-06-16 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: KY

Complaint narrative:
I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report. They are XXXX  my ability to obtain credit.

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 2025-06-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I formally request an investigation into these unauthorized inquiries and ask that you provide documentation regarding their origin. Please include all pertinent details, such as the name of the entity responsible for the inquiry and any records or consent forms that demonstrate my authorization for these actions.

Since these unrecognized inquiries may harm my credit score and financial stability, I urge you to address this matter without delay. Your prompt attention to this issue would be greatly appreciated.

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 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: SC

Complaint narrative:
I experienced an issue with my email and called a supposed XXXX representative on a website. It turned out to be an imposter although he resolved my email issue and then claimed my wife and I had hackers getting into our computer and he could resolve this by purchasing fake American Express gift cards using XXXX and XXXX cards for both of us, this resulted in a total of about $ XXXX in loss. We reported to local police, FBI and XXXX but both credit card companies did not agree to delete the balance or give any relief. We had these cards about 30 years and had never purchased anything like this previously. We respectfully request the XXXX to review this case. We believe our credit card issuers failed to act in accordance to the protections afforded under the Fair Credit Billing Act and failed to recognize a widely known scam tactic. Thanks for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: LA

Complaint narrative:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached 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 2025-06-16 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 was extremely frustrated to find an unauthorized inquiry on my credit report. I check it regularly and never expected to see something like this. I even tried refreshing my browser thinking it might be a system error, but the inquiry was still there. I urgently need the documents I submitted to be reviewed thoroughly so I can finally stop stressing over this.

Company response to consumer: Closed with non-monetary relief