vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 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: NE

Complaint narrative:
On Friday, XXXX XXXX XXXX I attempted to make reservations for a family vacation to XXXX XXXX for myself and ( XXXX ) members of my immediate foamily. The hotel we chose ( XXXX XXXX XXXX ) is small so It was my thought that to guarantee pricing, It would be more efficient to call in to XXXX to make our reservations to include both Hotel & Flight from XXXX XXXX. I spoke with who I thought was the XXXX Customer Service rep XXXX, who was helpful. He after making our reservations, he asked for payment. He requested ( 2 ) cards to complete the transaction of approximately {$15000.00}. After a couple of attempts, he said the transaction had gone through and that I should see a text confirmation. Not knowing how he had broken up the charges, it was a couple days later I noticed the discrepancies and the Overcharged amount. Where between my XXXX XXXX and my American Express , the total charged was over {$22000.00}. I called back into XXXX XXXX to address the discrepancy, however, from their foreign call center, the ability to understand, communicate and assist, was non-existent. I was in a difficult position not knowing what charges were legitimate and which charges were not. Per the XXXX XXXX input, I disputed some of the charges on both cards.. Ultimately, I was able to speak with a Dispute Resolution contacts at XXXX who I was better able to understand and communicate with. They confirmed to me that the XXXX XXXX charges by the XXXX XXXX XXXX and the Flight Charges from XXXX XXXX were the legitimate charges for our trip. She confirmed that the Amex Charges of $ XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX & $ XXXX Trip were NOT legitimate charges. Her input was it was a scam from someone who was able to compromise my information & card. Possibly obtained when I visited an alleged XXXX XXXX Phone Number I have since requested & received both a new Amex & XXXX XXXX cc. This morning, I received word that the scamming party supplied Amex with documentation to permit the charges. I am being charged twice for the same reservation. Amex is stalling on me asking for any " New '' information on this situation and if I wanted to re-dispute the charges. I don't believe AMEX has done enough to protect me as the consumer and card holder nor have they attempted to better identify the scamming party I hope my written explanation makes sense. I feel like I can offer a more detailed explanation of our situation verbally, but Im willing to take whatever route necessary to remove these scam/bogus charges from my account. 

Thanks and please feel free to reach out at your convenience for further details and/or explanations Sincerely,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Alliance, Inc.
State: AZ

Complaint narrative:
collection agency ( second alliance ) populates on my credit report as the original creditor for a student loan which ive never had. ive never had a student loan of any kind. second alliance had the wrong email adress and phone number and claimed by word of mouth that a debt verification letter was sent but i went thriough my records and i never received anything nor have i heard of these people prior to a derogatory remark on my credit report which prompted me to reach out and see what was going on. after a couple phone calls and emails as well as polite disagreements i requested the debt verification letter which i was told verbally " we dont do that '' so for my own personal records i then asked the same question in a email and never got a response. this seems to be a case of student loan fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: Nelnet, Inc.
State: WA

Complaint narrative:
My credit score has been impacted by information negatively impacting my consumer profile that I did not authorize or give permission to this organization to utilize my name or information. My identity has been stole and used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-04-03 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: FL

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and Transunion data breach.

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 2025-04-03 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: HI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
Please help me, I have attached supporting correspondence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
Please help me, I have attached supporting correspondence.

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 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Equifax Consumer Services XXXX XXXX XXXX XXXX, XXXX  XXXX Subject : Request for Blocking and Deletion of Accounts Pursuant to 15 USC 1681c-2 ( a ) Dear Equifax Consumer Services , I am writing to formally noti % l you that I am a victim of the recent data breach that occurred within your organization. As a result of this breach, my personal and sensitive information was compromised In accordance with 15 U.S.C. 1681c-2 ( a ), which provides consumers the right to request that any fraudulent information or accounts be blocked or deleted, I am requesting that all accounts associated with my name and personal information, as referenced in your records, be immediately blocked and deleted. This includes all accounts, credit inquiries, and other information tied to the breach that were not initiated by me To assist you in locating the relevant records, my information is as follows : Full Name : XXXX XXXX XXXX Social Security Number : ** XXXX Date of Birth : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone Number : ( XXXX ) XXXX Email Address : XXXX Please confirm in writing that my request has been processed and that all fraudulent accounts have been deleted from my file, as well as any associated records linked to this breach. 
Thank you for your immediate attention to this matter. I expect a timely resolution, and I look forward to your confirmation of these actions. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-03 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: AR

Complaint narrative:
The balance started at XXXX. After a few years the full balance was withheld from my federal tax refund and paid in full. They then showed a remaining balance of XXXX. Once I disputed they then claim I now owe over XXXX. The company claiming this is the 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 2025-04-03 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: TX

Complaint narrative:
I recently discovered that my credit report contains accounts that I have no knowledge of. I did not open or authorize these accounts, yet they are being reported under my name. This is completely inaccurate, and I need an immediate explanation of how this happened. My credit history is being unfairly impacted, and this situation needs to be corrected 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 non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
This morning, I was shocked to find an unauthorized inquiry on my credit report, and I have no idea how it got there. I routinely check my report, but this time, an unexpected discrepancy appeared. Hoping it was just a glitch, I refreshed my browser, but the issue remained. This is beyond frustrating, and I need the documents I submitted to be reviewed immediately so I can stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Email : XXXX Date : XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) Subject : XXXX XXXX XXXX Resurgent Capital Services for FDCPA and FCRA Violations Dear CFPB, I am filing this complaint against Resurgent Capital Services for their continued violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) concerning an account allegedly originating with XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ). 
Despite my formal debt validation requests submitted via USPS Certified Mail on multiple occasions, Resurgent has failed to comply with federal law. Their response dated XX/XX/year>, included only a general account statement and an internal summary. They did not provide : A copy of the original contract bearing my wet signature A complete payment history from the original creditor Proof of assignment or ownership A description of the verification process under the FCRA Additionally, I issued a Cease-and-Desist order due to unwanted robocalls, but Resurgent has continued calling, violating the Telephone Consumer Protection Act ( TCPA ). 
I request that CFPB investigate these violations and take appropriate enforcement action. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: IL

Complaint narrative:
Upon reviewing my credit report, I noticed that LVNV Funding LLC is reporting a collection account for {$700.00} ( Acct # XXXX ) to XXXX. I do not recognize or acknowledge this debt and have received no documentation regarding it. 
I submitted a debt validation letter under FDCPA 1692g, requesting original documentation, itemization, and proof of assignment. They have failed to provide validation but are continuing to report, which violates both the FCRA ( 1681s-2 ) and FDCPA. Reporting unvalidated and unverified debt is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: HI

Complaint narrative:
I submitted a dispute to you regarding multiple inaccuracies on my credit report, including incorrect personal information ( name, addresses ) and multiple inaccurate account entries. Despite providing supporting documents, such as my driver 's license, proof of address, and social security card, you have failed to correct these errors. These inaccuracies impact my credit standing and violate the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus to ensure maximum possible accuracy. Additionally, some of these accounts may involve debts that should have been reported differently under 1099-C tax laws. I formally requested verification and removal of these items, but you have not taken appropriate action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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:
I'm writing to communicate my XXXX  in regards to the contested records on my credit report. On various occasions, I have raised the issue of errors in these records, and have reliably mentioned that they be completely examined. Regardless of my endeavors, I presently can't seem to get any goal or restorative activity. These wrong records are seriously harming my credit document and preventing my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused enormous difficulties for me, and I'm left with no decision except for to argue for your help with redressing what is going on quickly. I generously demand that you direct a careful examination concerning the revealing of every one of these contested records. It is basic that the fundamental advances are taken to refresh and amend my credit report immediately. With your assistance, I desire to reestablish the exactness and trustworthiness of my credit record so I might recapture command over my monetary prosperity. I truly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much thanks to you ahead of time for your comprehension and help.

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 2025-04-03 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: NJ

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 non-monetary relief
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and 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