vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monarch Recovery Holdings, Inc.
State: NJ

Complaint narrative:
I attempted to dispute an unfamiliar account listed on my credit report through XXXX XXXX for XXXX XXXX XXXX XXXX XXXX in the amount of {$1400.00} XXXX XXXX which was reported as opened on XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, XXXX XXXX did not allow me to submit any written explanation or details about the dispute. 

I do not recognize this account, was not notified of any such debt, and have no information regarding its origin. Despite my efforts to dispute it, XXXX XXXX failed to process the dispute or provide a way for me to challenge the validity of the account. 

I am requesting that the credit bureaus ( XXXX, XXXX, and XXXX  ) investigate this account in compliance with the * * Fair Credit Reporting Act ( FCRA ) * *. Additionally, I request that this account be marked as disputed on my credit report during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: CL Holdings LLC
State: SC

Complaint narrative:
account # XXXXXXXX XXXX XXXX XXXX XXXX I am writing to you in regards to the debt collection activities being conducted by your company, regarding the alleged debt. This letter serves as a formal demand for you to immediately cease and desist all communication with me regarding this debt. I dispute the validity of the alleged debt. I insist that you refrain from any further communication with me, including but not limited to phone calls, letters, emails, or any other form of communication. Please take note of the following : 1. Cease and desist all communication with me regarding the alleged debt. 2. Do not contact me at my residence, workplace, or any other location. 3. Do not contact any of my family members, friends, or associates in relation to this debt. 4. Do not report this alleged debt to any credit reporting agencies. 5. Do not initiate any legal proceedings against me without providing proper documentation and proof of the debt 's validity. Failure to comply with this cease and desist demand will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws. I will not hesitate to take legal action to protect my rights and seek remedies available to me under the law. Please be aware that this letter is not an acknowledgment or admission of any liability for the alleged debt. It is solely a request for you to cease all communication until the debt 's validity is proven. I expect your immediate attention to this matter and a written confirmation that you have complied with my demands. Any further communication from you should be solely for the purpose of providing the requested documentation or notifying me that you have ceased all collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I can not find any merchants online that will accept the gift card payment. I have tried multiple websites and no one accepts the American Express Gift card.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 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 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. 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.
2. 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? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

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 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 2025-07-23 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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 TX XXXX INQUIRIES : XXXX XXXX  Date : XX/XX/XXXX XXXX  XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-07-23 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the 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 2025-07-23 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: NY

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file.

The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXX XXXX XXXX ] Account Number : [ XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-23 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: GA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-07-23 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: NY

Complaint narrative:
I am filing this complaint because Experian failed to comply with 15 U.S.C. 1681c-2 ( Section 605B of the Fair Credit Reporting Act ), which mandates that consumer reporting agencies block identity theft-related information from credit reports within 4 business days of receiving proper documentation.

I mailed a certified dispute packet to Experian on XX/XX/year>2025. Tracking confirmed delivery by XX/XX/XXXX. My packet included : - A signed 605B identity theft dispute letter - FTC Identity Theft Affidavit - Government-issued photo ID - Proof of address ( utility bill ) - Detailed supporting documentation Despite receiving this federally valid identity theft dispute, Experian failed to block or delete the disputed Credit Acceptance account within the legal 4-day period. Instead, I received an email from Experian on Day 4 ( XX/XX/XXXX ), stating they would treat the matter as a regular dispute with an investigation deadline of XX/XX/XXXX completely bypassing the 605B block process required by law. 

This is a willful violation of federal consumer protection law. The XXXX XXXX reporting format which Experian subscribes to also requires credit bureaus to suppress and delete data that has been flagged under 605B when proper documentation is received. The continued presence of this account violates both FCRA Section 605B and XXXX XXXX compliance standards. 

This account is fraudulent. I have never made a payment, never signed a contract, and no validated ownership has been provided. I requested all communications in writing, yet no formal written response was issued. Experian 's delay and refusal to act is harming my credit and blocking my right to legal relief. 

I am requesting immediate enforcement action to compel Experian to permanently block and delete the disputed account from my credit report as required by 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 2025-07-23 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: CA

Complaint narrative:
This is not a misunderstanding or mistake on my end. My credit report contains inaccurate information that violates the Fair Credit Reporting Acts requirement for maximum possible accuracy. These errors are not only unjustified they are unacceptable and continue to cause me significant harm.

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 2025-07-23 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: IL

Complaint narrative:
I am the victim of identity theft, and several fraudulent accounts have been reported on my credit file without my knowledge or consent. These include accounts from XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( 2 accounts opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX ), and XXXX XXXX ( opened XX/XX/XXXX ). 

I have filed an official FTC Identity Theft Report and gathered the necessary documentation including my government-issued ID and proof of address. I invoked my rights under 15 U.S. Code 1681c-2, which mandates that consumer reporting agencies must block fraudulent information within 4 business days of receiving proper identity theft documentation. 

Despite this, the credit bureau has failed to block or remove these accounts, which continues to cause harm to my credit profile and financial well-being. I am requesting immediate enforcement action to ensure these fraudulent accounts are blocked, deleted, and cease to be reported going forward.

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 2025-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am filing a complaint against Experian regarding the reinsertion of an XXXX XXXX XXXX XXXX  account ( Account # XXXX ), serviced by XXXX XXXX XXXX ( XXXX ), on my credit report. 

I disputed this account multiple times in XXXX, including on XX/XX/XXXX and XX/XX/XXXX, but the account was not removed at that time. However, around XX/XX/XXXX, both Experian and XXXX  removed the account from my credit reports after investigation. I also contacted XXXX directly to request debt validation, and they failed to respond or provide supporting documentation. XXXX also claimed they could not provide verification to the credit bureaus, which is inconsistent with their responsibilities under the FCRA. 

Despite this, the account has now reappeared on my Experian report as of XX/XX/XXXX without any written notice of reinsertion being provided to me within the required 5 business days, as required under FCRA 1681i ( a ) ( 5 ) ( B ).

I am requesting the following : Immediate removal of the XXXX account unless Experian can verify that proper reinsertion procedures were followed. 

Written confirmation from Experian that they received certified verification from the data furnisher and that they sent the required notice of reinsertion. 

I believe Experian is in violation of the Fair Credit Reporting Act and request CFPB assistance in resolving this matter. I am also submitting a formal dispute to Experian by mail.

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 2025-07-23 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: HI

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The XXXX  and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
Fraudulent accounts listed on my credit report from XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NY

Complaint narrative:
The first credit pull on XX/XX/XXXX was supposed to be a soft tip and they pulled a hard hit. The second pull on XX/XX/XXXX was not authorized.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-23 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: NE

Complaint narrative:
I am writing to formally dispute inaccurate and potentially unverifiable information appearing on my credit report. Pursuant to my rights under Section 611 of the Fair Credit Reporting Act ( FCRA ), I have the legal right to request a complete investigation of any item I believe to be incorrect, incomplete, or not properly verified.

The following charge-off accounts contain data that present inconsistencies, inaccuracies, or lack proper verification. I respectfully request an immediate investigation and, if necessary, the permanent deletion of such accounts. According to FCRA Section 623 ( a ) ( 5 ) : If a credit reporting agency can not validate the information with the original creditor, the account must be deleted from the consumers file. 
Accounts in Dispute : XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Upon reviewing the information, I have identified discrepancies among the three major credit reporting agencies regarding these accounts. These inconsistencies include, but are not limited to : Conflicting or contradictory balances Inconsistent dates of last activity Discrepancies in account status closed Inaccuracies in the reported payment history These irregularities negatively affect my credit profile and represent a violation of your obligation to report accurate data. Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally required to conduct a reasonable reinvestigation of any disputed information. If the accuracy of such information can not be verified, you must delete it immediately as provided under 15 U.S.C. 1681i ( a ) ( 5 ).

Furthermore, under FCRA Section 609 ( a ) ( 1 ) ( A ), you must be able to provide physical evidence of the original signed consumer contract for any account you report. Without such documentation, the data may be considered unsubstantiated or even fraudulent. Therefore, I am exercising my rights under the following provisions of the FCRA : Section 611 ( 15 U.S.C. 1681i ) Reinvestigation of dis
puted items Section 609 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681g ) Right to request original documentation Section 623 ( a ) ( 5 ) ( 15 U.S.C. 1681s-2 ) Deletion of unverifiable information Section 1681e ( b ) Duty to maintain maximum possible accuracy

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 2025-07-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I updated my primary bank account in Capital Ones system on XX/XX/year> prior to my credit card due date. I assumed autopay would follow, as it did automatically with other issuers like XXXX and XXXX. Capital Ones autopay did not update, and a payment was missed as a result. 

I called immediately, and the late fee was reversed. However, Capital One charged me {$98.00} in interest due to the missed payment. I requested a full waiver, since this was not intentional or due to financial hardship, but they only agreed to waive {$50.00}.

Company response to consumer: Closed with monetary relief