vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 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: PA

Complaint narrative:
Upon reviewing my credit report, I noticed inquiries that are not mine and do not belong to my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: RI

Complaint narrative:
On XX/XX/year>, without any clear explanation or notice, American Express suddenly cancelled all my credit cards and took away all of my Membership Rewards points that I had earned through responsible use and loyalty over time. I tried contacting customer service several times right away, but all I received were vague answers and no valid reason for why my card was closed. They can't point out the date and the detailed event about what they claimed as " misuse ''. They said they can't let me tranfer out my remaining XXXX membership rewards. 

I have been using Amex credit card for more than XXXX  years, always without any issues. It feels unfair and unprofessional for a company that prides itself on customer service to treat its customers this way. I trusted Amex with my finances and rewards, and now I feel completely let down and frustrated by their lack of transparency and respect.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Child support payment are not in my account over XX/XX/XXXX years and there not helping to resolve to locate the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: WA

Complaint narrative:
I am submitting to formally dispute and request a reinvestigation of inaccurate payment history and reporting entries that are currently reflected on my credit file. Upon reviewing my recent credit report, I identified accounts that contain outdated or inaccurate late payment information. I request that these entries be reviewed and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$540.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1900.00}

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 2025-10-25 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: CA

Complaint narrative:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO 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 explanation
Consumer complaint received 2025-10-25 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN 4 DAYS ACCORDING TO 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 2025-10-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NV

Complaint narrative:
last year of XXXX, I spoke with a representative, that seemed to find the custodial account through the decedent 's social security number, last address lived and my name and social security number. The representative confirmed that the account had reached maturity and that I would need " to go through the courts '' for further details, and no more information could be given. The next following year I called back with all required documents, and now the account seemed to have vanished from their records. XXXX XXXX, they stated again, that since decedent, XXXX XXXX passed away in XXXX and resided in California, If there was a XXXX XXXX account in his name it is possible that the account were escheated to the state of California. I have spoke with California unclaimed property office, New York comptroller 's office and Delaware 's escheatment department, and they all confirm of NO records of escheatment from XXXX XXXX located in New York. I received the lastest letter from XXXX XXXX stating now they are requesting a valid XXXX account for an old dormant account that was created when I was a minor with the investment company formally known as XXXX. XXXX XXXX has Failed to Fufill Fiduciary Duty and Record-keeping Failures : XXXX XXXX confirmed the asset 's existence to the heir in XXXX, is now claiming it is unlocatable, and can not produce the mandatory documentation ( escheatment report ) to prove its disposition. This is consumer financial fraud/ negligence. CFPB Reference Number :XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
My wife and I tried to get a home equity loan because our roof was leaking. Our credit union to me she could not get a score on my XXXX XXXX XXXX. They tried numerous times and told me to call XXXX XXXX. I called XXXX XXXX numerous times, and after I paid a fee they sent me a copy. It only reflected 1 small credit card with a {$400.00} balance. So my score was a XXXX. It didn't reflect my perfectly paid car loan or anything else which would immensely raise my score. I called the lender, they told me that they've reported to XXXX XXXX since we bought the car. They sent me a letter showing it's been paid perfectly, but that doesn't help my score. Now we're in jeopardy of being denied. XXXX XXXX is awful. Can you please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Spring oaks had mandirich law to garnish wages they collected all the money I have explained this to the credit bureau full investigation has not been done

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 2025-10-25 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: CA

Complaint narrative:
I am disputing inquiries that are listed on my credit report, that are not mine nor belong 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 2025-10-25 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: FL

Complaint narrative:
To Whom It XXXX Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX abovel My only Phone number is ( XXXX XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To Whom It XXXX Concern : This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : XXXX. My Full Legal Name : First & Last Name XXXX. My Address : Address, City, State Zip Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX abovel My only Phone number is ( XXXX XXXX XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed.

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV Funding LLC XXXX XXXX XXXX, XXXX is unlawfully reporting and attempting to collect an alleged debt tied to XXXX  XXXX, XXXX. ( Original Creditor Account Number ending XXXX ; Current Creditor : LVNV Funding LLC ; Balance : {$1300.00} ). The original creditor, XXXX XXXX, has already resolved and deleted this account from my credit reports between XX/XX/year> and XX/XX/year>, following a formal FCRA 1681 dispute and 26 U.S.C. 6050P XXXX cancellation request. I have attached screenshots showing that the XXXX XXXX tradeline was deleted and the balance reduced to {$0.00}. Once a XXXX is filed or a tradeline is deleted, the debt is canceled and no longer legally collectible. Despite this, XXXX XXXX XXXX continues to report and attempt to collect on this extinguished debt. This conduct violates FDCPA 807 ( 2 ) ( A ) ( false representation of the character or legal status of a debt ), FDCPA 1692f ( unfair or unconscionable means ), and FCRA 623 ( a ) ( 1 ) ( A ) ( reporting information known to be inaccurate or unverifiable ). This inaccurate reporting has harmed my credit reputation, reduced my score, and caused financial and emotional distress. I request that the CFPB require XXXX XXXX XXXX to immediately cease all collection activity, permanently delete all negative tradelines from XXXX, XXXX, and XXXX, and provide written confirmation of these actions. Attachments include XXXX XXXX deletion screenshots and account balance documentation, which prove the debt was canceled and removed, yet XXXXLVNV continues to report it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
In XX/XX/year>, I signed up for a XXXX plan at their XXXX XXXXXXXX XXXX XXXX store. I paid {$300.00} upfront and was promised a $ XXXX plan including all taxes and fees. However, within XXXX months, I was charged {$200.00}, {$120.00}, and {$100.00} totaling over {$450.00}. These were duplicate and unauthorized charges. 

I stopped using the phone completely around XXXX or XX/XX/year>, yet XXXX kept billing me for several more months even though there was no phone usage. Despite my repeated messages and requests to cancel and fix the billing errors, XXXX continued charging me and never shut off the line. 

Instead of resolving the issue, XXXX sent the account to Sequium Asset Solutions , a collection agency, for a balance I do not owe. I have written complaints and documentation proving my dispute. 

I am requesting that the CFPB require XXXXXXXX  to correct my billing record, recall the debt from Sequium, and remove any negative credit reporting related to this invalid account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Experian recently alerted me about a new address. The address is not my address. The representative did not allow me to submit a dispute. This is a violation of FCRA Acr. This has been an ongoing struggle with all three credit bureaus. I have experienced constant harrassment from all theee bureaus mainly Experian. I have issues credit score removal of credit cards by Experian and never reinserted. The XXXX XXXX credit card was Im good standing. This is a 4 year ongoing issue that have cause XXXX XXXX XXXX  discrimination and defamation of character and loss of income due to delayed Business projects. I will finally be moving forward with a law suit due to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: KY

Complaint narrative:
I never authorized or established these accounts. They appear fraudulent, and I request their removal and investigation. Evidence is included.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
This complaint is about my citi credit card just opened in XX/XX/year> ending in XXXX under my name XXXX XXXX XXXX I believe Citibank has scammed me with misleading credit card offers. When I applied for the Citi XXXX XXXX Credit Card online, the promotional offer clearly stated that applicants would receive XXXX XXXX Points and 0 % interest for XXXX  months on purchases and balance transfers. I submitted my application under this exact offer and was approved. 


However, XXXX months later, I discovered that I did not receive the bonus points or the 0 % interest rate. Instead, I was charged interest fees of {$140.00} and {$180.00} without any prior notification. When I called Citibanks customer service to report the issue and request a waiver, they refused to help. The offer is very unclear when I applied and this is definitely not the product what I was looking for. 

This experience feels deceptive and unacceptableI was approved under XXXX set of terms, yet Citibank delivered a completely different offer. This kind of bait-and-switch practice misleads customers and undermines trust

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
To Whom It May Concern, I am filing this complaint against Sentry Recovery & Collections for violating my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

I discovered that Sentry Recovery has reported a collection account on my credit report. However, I have never received any written notice or proper validation of this alleged debt as required by law. Under 15 U.S.C. 1692g ( a ) of the FDCPA, a debt collector must provide a written notice containing details about the debt within XXXX days of the initial communication. Furthermore, under 15 U.S.C. 1692g ( b ), if a consumer disputes the debt in writing, the collector must cease all collection activity until proper verification is provided. 

Despite my written dispute sent on [ insert date ], Sentry Recovery has failed to provide any proof or supporting documentation verifying that this debt is valid or that I am legally responsible for it. Instead, they continue to report this unverifiable account to the credit bureaus, which is a direct violation of 15 U.S.C. 1681s-2 ( b ) under the FCRA, as furnishers of information must ensure accuracy and promptly correct or delete unverifiable data. 

Their continued reporting of an unvalidated debt is damaging my credit standing and causing unnecessary hardship. 

I am requesting that the CFPB investigate Sentry Recovery & Collections for these violations and require them to : Provide full validation and documentation of the alleged debt ; or Immediately delete the account from all credit reports if validation can not be produced.

Please find attached copies of my dispute letter ( s ), credit report entries, and any correspondence with Sentry Recovery for your review. 

Thank you for your attention to this matter. I respectfully ask that appropriate enforcement action be taken to ensure compliance with federal consumer protection laws.

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