vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-18 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:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at XXXX : XXXX. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX Balance : {$950.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : - XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1500.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1100.00} XXXX  XX/XX/XXXX XXXX  XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-18 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: FL

Complaint narrative:
Recently I looked a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that you will investigate these items for my to ensure accuracy. 

Here is the item I'm asking you to verify as accurate : Name : XXXX Account : 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 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint against Experian Information Solutions , Inc., Equifax Information Services , LLC, and TransUnion LLC for willful and reckless violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations have caused me concrete harm, including housing denials, financial injury, and emotional distress. 
1. Experian False Verification of Identity Theft Account On XX/XX/2025, Experian verified a ProCollect collection account, despite ProCollect later admitting on XX/XX/2025 to the CFPB that the account was identity theft and invalid.see CFPB complaint # XXXX This violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 607 ( b ) ( maximum accuracy ). 
2. Equifax Contradictory and Bad-Faith Responses On XX/XX/2025, Equifax stated my identity was verified and deleted items. 
On XX/XX/2025, Equifax claimed it could not locate a file. 
On XX/XX/2025, Equifax claimed my ID does not match. 
These contradictory responses are proof of failure to conduct a lawful reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

3. Equifax Ongoing Inaccuracies Equifax continues reporting tradelines that Experian already suppressed as unverifiable ( student loan from XXXX XXXX XXXX XXXX 
They also continue to report re-aged charge-offs ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ). 
This violates FCRA 607 ( b ) ( failure to assure maximum accuracy ). 
4. TransUnion CFPB Complaint Mishandled I filed a CFPB complaint on XX/XX/2025. complaint # XXXX TransUnion delayed with an interim response on XX/XX/2025, then closed the case on XX/XX/2025 as non-monetary relief. 
Their so-called relief was marking the XXXX tradeline as ACTIVE DISPUTE. 
This is not compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking identity theft information within 4 business days, nor does it satisfy 611 ( reinvestigation duties ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-18 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 am filing this complaint against Experian Information Solutions , Inc., Equifax Information Services , LLC, and TransUnion LLC for willful and reckless violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These violations have caused me concrete harm, including housing denials, financial injury, and emotional distress. 
1. Experian False Verification of Identity Theft Account On XX/XX/2025, Experian verified a ProCollect collection account, despite ProCollect later admitting on XX/XX/2025 to the CFPB that the account was identity theft and invalid.see CFPB complaint # XXXX This violates FCRA 605B ( 15 U.S.C. 1681c-2 ) and FCRA 607 ( b ) ( maximum accuracy ). 
2. Equifax Contradictory and Bad-Faith Responses On XX/XX/2025, Equifax stated my identity was verified and deleted items. 
On XX/XX/2025, Equifax claimed it could not locate a file. 
On XX/XX/2025, Equifax claimed my ID does not match. 
These contradictory responses are proof of failure to conduct a lawful reinvestigation under FCRA 611 ( 15 U.S.C. 1681i ).

3. Equifax Ongoing Inaccuracies Equifax continues reporting tradelines that Experian already suppressed as unverifiable ( student loan from XXXX XXXX XXXX XXXX 
They also continue to report re-aged charge-offs ( XXXX XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX  ). 
This violates FCRA 607 ( b ) ( failure to assure maximum accuracy ). 
4. TransUnion CFPB Complaint Mishandled I filed a CFPB complaint on XX/XX/2025. complaint # XXXX TransUnion delayed with an interim response on XX/XX/2025, then closed the case on XX/XX/2025 as non-monetary relief. 
Their so-called relief was marking the XXXX tradeline as ACTIVE DISPUTE. 
This is not compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ), which requires blocking identity theft information within 4 business days, nor does it satisfy 611 ( reinvestigation duties ).

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 2025-09-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XXXX XXXX, I purchased a diamond ring while traveling in XXXX XXXX for the negotiated price of {$10000.00} US. I presented my AMEX platinum card to complete purchase but all transaction was done in XXXX currency. When I returned back to US, my AMEX billing statement arrived and showed a charge for XXXX US Dollars. I immediately telephoned AMEX to report the fraudulent transaction as I had XXXX witnesses who were present for negotiation ( signed affidavits ). A dispute was opened immediately and over the course of the next 4 months, the dispute was opened and closed several times but no one from AMEX could produce clear documentation as to the validity of this fraudulent charge and the dispute team stopped responding to my inquiries. As per AMEX XXXX card terms and conditions, I filed a claim with AMEX Legal dept in late XX/XX/year> via registered receipt mail. requesting mediation if the legal team was unable to resolve issue. It took approximately XXXX weeks for legal team to respond to me and when I was assigned an attorney who represented AMEX, they had no familiarity with the case and advised me they would call back by late XXXX after closer review. They never called me and I contacted them via email and was given the same respsonse that they are still reviewing, This went on for another XXXX weeks when emailed again and got same response. The only information given to me was that they wanted to make sure I received no collection calls. However, the collections team reported my lack of payment for this fraudulent charge to XXXX credit reporting agencies and dropped my XXXX score by XXXX points preventing me from obtaing any credit. In fact this department offered me another credit card from AMEX with an XXXX discount off my bill and the promise to remove any detrimental reporting to credit bureaus ( usery ). I have attempted to reach out to collections department and to the legal team and I have not receivied any response nor have they set up mediation which is their responsabilty as per the terms of their card. I am now left with a damaged credit history when I previously have had XXXX scores approximating XXXX and I'm still in possession of the ring which I do not want nor can I afford at XXXX, According to receipt, the return period is 12 months and AMEX has ignored any attempt to facilitate return of this ring as per the vendor 's conditions. In fact, the vendor is continuously changing return conditions at their own will and AMEX stands idly by.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Marlette Funding, LLC
State: NY

Complaint narrative:
Original CFPB COMPLAINT still not adressing I have requested " N.Y. Comp. Codes R. & Regs. Tit. 23 1.4 - Substantiation of consumer debts '' which must include all of the following information and after 3 attempts now i have still not gotten " Substination '' which as a NYS resident I am entitled to this information in its entirety without exception. 

A debt collector must substantiate a charged-off debt pursuant to this section only once during the period that the debt collector owns or has the right to collect the debt. 
( c ) Substantiation of a charged-off debt shall include : ( 1 ) the signed contract or signed application that created the debt or, if no signed contract or application exists, a copy of a document provided to the alleged debtor while the account was active, demonstrating that the debt was incurred by the debtor. For a revolving credit account, the most recent monthly statement recording a purchase transaction, payment or balance transfer shall be deemed sufficient to satisfy this requirement ; ( 2 ) the charge-off account statement, or equivalent document, issued by the original creditor to the consumer ; ( 3 ) a statement describing the complete chain of title from the original creditor to the present creditor, including the date of each assignment, sale, and transfer; and ( 4 ) records reflecting the amount and date of any prior settlement agreement reached in connection with the debt pursuant to section 1.5 of this Part.

( d ) If a consumer requests substantiation of a charged-off debt pursuant to subdivision ( a ) of this section, the debt collector must retain the following documentation until the debt is discharged, sold, or transferred : ( 1 ) evidence of the consumer 's request for substantiation ; and ( 2 ) all documents the debt collec
tor provided in response to the request.

Notes N.Y. Comp. Codes R. & Regs. Tit. 23 1.4 Adopted, New York State Register XXXX XXXX XXXXVolume XXXVI, Issue 48, eff. XXXX  Amended New York State Register XXXX XXXX XXXX/Volume XXXVII, Issue 36, eff. XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, Equifax, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$58.00} XXXX  XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2025-09-18 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: VA

Complaint narrative:
I'm writing to communicate my anxiety 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 2025-09-18 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: Columbia Collection Service, Inc.

Complaint narrative:
Dear U.S. Department of Education, XXXX for XXXX XXXX, I am writing this letter to formally request a refund of the applicationfee I paid for Columbia'sXXXX XXXX XXXX XXXXXXXX Fall application, University of Massachusetts XXXX XXXX XXXX XXXX ) XXXX Fall application, Michigan state XXXX XXXX XXXX XXXX XXXX, XXXX Washington XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  My name XXXX XXXX XXXX and my application reference number is XXXX. There are XXXX main reasons prompting this request : financial hardship and the experience of discrimination against XXXX people during the application process. 
Firstly, I am currently facing severe financial hardship. My family 's main source of income comes from my parents ' small business, which has been severely affected by the economic downturn in recent years. The income has decreased sharply, making it difficult to cover the daily expenses of the whole family, let alone the expensive application fees for studying abroad. Every penny is carefully planned in our family budget, and the application fee has put a heavy burden on my family. We have tried our best to save money for my education, but the current situation is really beyond our capacity. 
Secondly, during the application process, I felt that the university had discriminatory behaviors against XXXX applicants. When I contacted the admissions office via email to inquire about some details of the application, the response I received was perfunctory and evenwith prejudice. Compared with the replies to applicants from other countries that I learned from my friends, the attitude towards me was obviously cold and unhelpful. In addition, in some public information released by the university, there was a tendency to downplay the academic achievements and abilities of XXXX students, which made me feel that I was not treated fairly as a XXXX applicant. 
Application fees are supposed to be a reasonable charge for the application process, but when coupled with financial difficulties and discriminatory treatment, it makes me feel that the fee is unfair. I sincerely hope that the university can take my situation into consideration and refund the application fee. 
I would appreciate it if you could review my request and give me a positive response as soon as possible. You can contact me via XXXX XXXX any further information or clarification.My master card id is XXXX, and my XXXX XXXX card id is XXXX. 
Thank you for your time and attention. 
Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-09-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: John C. Heath, Attorney at Law, PLLC
State: OH

Complaint narrative:
Well I opened a XXXX account for me to build my credit and someone tried to get a loan through the time credit building account I open and XXXX let another loan get taken out in my name and I told them my account should be Frozen and it must have got unfolded just for them to steal my time account I just opened to build my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regrading to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'am thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to reemove the listed items in ID Theft report within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remainng showing on my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$380.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed {$2000.00} 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 XXXXXX/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 explanation
Consumer complaint received 2025-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MI

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-18 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: MN

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a victim of identity theft, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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