vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX, am writing on my own as natural person and consumer who is a victim of identity theft. I am requesting the immediate removal of the following items from my consumer credit report in accordance with 15 U.S. Code 1681c-2. This statute requires that any information identified by the consumer as resulting from identity theft must be blocked from the consumer 's credit report within 4 business days of receipt of my request. It has been over 30 days since my initial request, and you are in violation of this law. This dispute is not being made in error, nor is it based on any misrepresentation of fact on my part. The information I am disputing is fraudulent, and the entities that reported these items DO NOT have lawful authority to do so. According to the law, these companies are required to have tax documents or other forms of written consent to charge off or report these items under my name. I did not provide such consent, and as such, these items are in violation of my privacy Under 15 U.S. Code 1681b, consumer reporting agencies may only furnish a consumer report in accordance with the written instructions of the consumer. I NEVER provided any written consent for any consumer reporting agency to report the information listed below on my behalf, and their failure to adhere to this law constitutes a clear violation of my rights as a federally protected consumer. Please delete the following items from my credit report immediately ADDRESSES INQUIRES NAMES ACCOUNTS COLLECTIONS These accounts should not appear on my consumer report, as they are the result of identity theft. Please ensure these fraudulent accounts are removed as required under the law. The companies reporting these items have failed to provide proof of my consent or authorization, which makes their actions unlawful. I respectfully demand that you take the necessary steps to delete these accounts from my credit report and send me written confirmation that these items have been removed. This request is made under the rights provided to me by the Fair Credit Reporting Act and related laws. Thank you for your immediate attention to this matter. I look forward to your timely response. XXXX XXXXXXXX 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing a charge of {$3400.00} on my American Express card ( Case : XXXX, XXXX : XXXX ). The merchant ( XXXX & XXXX XXXX ) claimed the package was delivered and signed for, but the delivery proof is fraudulent. 
The XXXX tracking shows the package was signed by XXXX XXXX. 
I live alone at the delivery address ( a single-family residence, confirmed by county property records ). No person named XXXX XXXX resides with me or was authorized to accept my deliveries. 
American Express accepted the merchants statement that this was my roommate, which is false. I provided proof that I have no roommate and that the property is a single-family residence. 
I also provided photos showing the box I did receive was damaged and not signed for by me. 
Despite this, Amex has sided with the merchant without properly reviewing the evidence, effectively ignoring that the delivery signature was not mine and not an authorized resident. 
This is a violation of the Fair Credit Billing Act ( Regulation Z ), which requires the card issuer to investigate billing errors ( including goods not received as agreed ). Amex closed my dispute while the merchant provided false and insufficient documentation.

I am requesting that the CFPB require American Express to : Properly review the dispute evidence. 
Reverse the chargeback denial, since the package was not signed for or received by me. 
Ensure Amex follows Regulation Z protections for cardholders.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
* On XX/XX/year> I was involved in a car accident and had my vehicle towed to a repair shop. While I was working to save money for repairs, Ally Financial repossessed the vehicle directly from the repair shop without prior notice or communication. 
* Furthermore, I had refinanced my auto loan with Ally Financial Despite the fact that the loan was refinanced, Ally proceeded to send the vehicle to auction without any valid reason or proper notification. This was a clear violation of my rights as a borrower and contradicts the terms of the refinancing agreement. 
XXXX. Denied Access to Account : * After the repossession, I attempted to make regular loan payments but was unable to access my account due to being blocked from XXXX online platform, which prevented me from making timely payments. Despite my attempts to bring my account current, Ally continued to report late payments to the credit bureaus. 
XXXX. Auction of My Vehicle : * The vehicle was auctioned off by Ally Financial, even though I had refinanced it. This action was not authorized under the terms of the refinancing agreement and occurred without my consent. The auction of the vehicle resulted in additional financial damage and further worsened my credit standing. 
XXXX. Impact on Credit and Financial Status : * As a result of Allys actions, including improper repossession and the auctioning of the vehicle, my XXXX XXXX dropped from XXXX to XXXX This was a direct result of XXXX failure to allow me to make payments and their improper handling of my loan. 
XXXX. Request for Resolution : I am requesting that Ally Financial : * Immediately remove any late payment marks from my credit report related to this situation. 
* Correct my account status to reflect that I was denied access to make payments and therefore should not be held responsible for late payments. 
* Provide a detailed explanation for why the vehicle was repossessed and auctioned after I refinanced the loan, as this action contradicts the refinancing agreement. 
* Ensure proper updates to the credit bureaus regarding the correction of my credit report. 
* Refund any fees or charges associated with the auctioning of my vehicle if applicable, as I was not in default under the terms of the refinanced loan. 
I am seeking a resolution in the form of credit restoration, removal of inaccurate reports, and account correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
First of all the lied to me when they said they spoke with XXXX as well and they said they didn't tell the bank that I made like 5 transactions on XX/XX/XXXX according to navy Federal 's records but I've claimed untrue and XXXX agrees with me saying I've already paid for the items that you guy 's are claiming I did twice. Also I received a refund from navy federal on XX/XX/XXXX but Navy federal took XXXX dollars away away for no reason at all I thought u guys were finally returning my money from being charged twice on XX/XX/XXXX and on XX/XX/XXXX by XXXX when I spoke with XXXX they confirmed they charged once on the XXXX so me witnessing the amount disappearing from my total balance twice also I received text messages telling me what my balance was sappose to be yet the transaction history doesn't match and I am 100 % positive that someone at navy federal is committing prohibited Personnel practices especially when it comes to my account cuz my aunt my mom my dad my brother all have Navy federal as well and they have no problem with there account and there transaction dates aren't jumping around on there statements like there for also they aren't missing XXXX or XXXX bucks or XXXX dollars from there accounts like I unfortunately am and I believe I'm being targeted because of the sound of my voice unfortunately cuz I sound XXXX from a car accident I was in a while ago but am far from it I would appreciate getting my money back ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: FIRST PORTFOLIO SERVICING INC
State: NJ

Complaint narrative:
There are strangers or criminals spoofing my phone numbers of XXXX and XXXX. My mother died due to phone spoofing. Her phone got very warm, she got dehydrated, she went into the hospital and she was later XXXX  and XXXX  in XXXX, NJ. There were XXXX, XXXX, XXXX  and XXXX  spoofing our phone numbers. My calls are getting rerouted to criminals at their homes. XXXX refuses to fix the problem. I never speak to a Caucasian or an Afro American representative over the phone. Thats strange. There are Asians harassing me when I call Total Visa or other credit cards. This is crazy.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both unlawful and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.

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 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCB Management Services Inc.
State: SC

Complaint narrative:
To Whom It May Concern, I am requesting validation of the debt referenced above, as is my right under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. This is not a refusal to pay but a request that you provide proof of the following : The name and address of the original creditor.

The full amount of the debt, with an itemized accounting of all fees, interest, and charges.

Proof that I am legally obligated to pay ( e.g., a signed contract or agreement ). 

Documentation showing that you have the legal right to collect this debt, including chain of assignment or purchase. 

Proof of your license to collect debts in my state. 



Until this debt is fully validated, you must cease all collection activity, including phone calls, written contact, and reporting to any credit bureau. If you continue collection attempts without providing validation, you will be in violation of the FDCPA and I will not hesitate to report your agency to the Consumer Financial Protection Bureau, my state Attorney General, and pursue legal remedies if necessary. 



All future communication should be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 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: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA REPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I am seeking help from the CFPB. My rights are being violated, 15 USC 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within 30 days of initial contact The accounts I've referenced are including the original signed agreement, full account history and verification of your authority to collect -- -- - you MUST cease all collection efforts and remove the information from my credit report!

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 15 USC 1681. 
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 15 USC 1681 ( e ) ( b ). 

XXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ACCOUNT # XXXXXXXX XXXX XXXX XXXX XXXX  And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general lf, 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 15 USC 1681s-2 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. 

15 U.S.C. 1681B ( A ) ( 1 ) 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 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 2025-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I assert that the incorrect late payment notations on my accounts violate 15 USC 1666. I have consistently paid on time, and any errors in this reporting are both unlawful and unfair.

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 2025-09-22 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: OH

Complaint narrative:
I XXXX XXXX, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. 
Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with EXPERIAN, TRANSUNION, AND EQUIFAX. 
I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 

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 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 2025-09-22 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: OH

Complaint narrative:
Im writing because there is an account showing up on my credit report that is completely unfamiliar to me. I have no knowledge of this account, never opened it, never authorized it, and have no connection to it whatsoever. Simply put it does not belong to me. 

This appears to be a case of mixed or misreported credit data, and its not just frustrating its damaging. I work hard to maintain my credit, and having someone elses account falsely tied to my name is completely unacceptable. I want to be absolutely clear : this is not my debt, not my account, and not my responsibility.

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 2025-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Im writing to demand the immediate removal of several fraudulent inquiries that appear on my credit report. These inquiries were made without my knowledge, consent, or authorization they are the result of identity theft, and I should not be held responsible for any part of them.

Let me be absolutely clear : I did not initiate these credit pulls, I did not apply for credit with the companies that made them, and I never gave anyone permission to access my credit file in these instances. These inquiries are unauthorized, and their presence on my report is a direct violation of my rights under 15 U.S. Code 1681c-2.

Under this law, I have the legal right to block and remove any item on my credit report that is the result of identity theft. Im invoking that right now.

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