vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXXXXXX XXXX Balance : {$370.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6800.00} XXXX  XX/XX/XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$6800.00} XXXX  XXXX XX/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 2025-06-19 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:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6.00} Date Opened : XX/XX/year>.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: MD

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 XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$2000.00} - XXXX XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MD

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 XXXX XXXX BALANCED {$0.00} XXXX  XXXX XXXX BALANCED {$2000.00} - XXXX XXXX XXXX XXXX XXXX BALANCED {$150.00} XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
According to FCRA Section 1681i. It is illegal to report any inaccurate information on my credit report without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: OH

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 2025-06-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I am writing to formally dispute multiple entries that have appeared on my credit report. Let me be unequivocally clear : XXXX XXXX I have never entered into any agreement, contract, or financial arrangement with any of the entities listed below, nor have I ever authorized them or any entity to collect any debt on my behalf related to these entries. XXXX XXXX Upon discovering these items on my credit report, I immediately requested validation for each alleged debt. Specifically, I asked for the original contract or agreement bearing my signature that would substantiate these claims. To date, none of the companies listed below have provided any such documentation. This consistent lack of evidence strongly confirms my assertion that no agreement ever existed between myself and any of these entities. 

The following entries are inaccurate, unsubstantiated, and negatively impacting my credit standing. I demand their immediate investigation and removal from my credit report : 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 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 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 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 Since I have no contract or agreement with any of these listed entities, I am not liable for these alleged debts. Therefore, I demand that all of these items be XXXX XXXX immediately removed from my credit report. * XXXX Please provide a written response confirming the investigation and removal of these entries.

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 2025-06-19 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: CT

Complaint narrative:
I request the removal of this incorrect entry from my credit report. I did not authorize or recognize this account. Attached are the relevant documents supporting my position.

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 2025-06-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Good morning, My name is XXXX XXXX, I financed a XXXX XXXX XXXX using Kia Motor Finance back in XXXX of XXXX, and subsequently sold in to XXXX in XXXX of XXXX. I had to make a payment on it after it sold to XXXX, as the payoff came in after the payment due date for the vehicle. i spoke to the XXXX  representative when I brought the refund it and they said that I would get a check in the mail. I waited and waited but never received it. I wasnt in a rush to get the money so I kind of brushed it off until mid XXXX, where I called XXXX and they informed me to contact Kia Motor for the refund. So i went ahead and called kia and explained what happened, and they said they see that the account has an overage of {$640.00} and they will send the check by mail. Great! Though I waited and never got it. again, I wasn't in much of a rush to get the money so I didn't call back until sometime in XXXX. I explained that I called sometime ago about the refund check and that I never received it. They said they saw the check was sent out but never cashed. We went over what could've happened and it turned out they sent it to my old address. No biggie. They corrected my address and said they'd reissue the check and resend it. Again, I never receive it. So I call again about a month ago and explain again what happened. We confirmed that the address was correct and everything with the last request was right, but the lady realized that because the last representative cancelled the check it prompted some kind of manager approval that never happened which left the new refund check in limbo. The representative assured me that she'd reissue it properly, get the approval and have it out in 15 days. It's been 21 days since that call and I haven't received the check. 

I do enjoy doing business with Kia finance and actively have another loan with them, Ive just been waiting for so long and while I could have been more proactive with my calls im just somewhat disappointed in Kia finance regarding this specific circumstance as theyve dropped the ball multiple times, and considering I've had a good experience with CFPB in the past helping me get money back I figured Itd be a good idea to reach out to y'all regarding this instance.

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 2025-06-19 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 dispute the following account in its entirety, as it was opened fraudulently without my authorization : XXXX XXXX XXXX ( # XXXX ) Opened XX/XX/XXXX while fraud alert was active. 

XXXX XXXX/XXXX/XXXX  ( # XXXX ) Charged off XX/XX/XXXX without my consent. 

Legal Violations : FCRA 1681c-2 I placed a fraud alert with all credit bureaus on XX/XX/XXXX, yet this account was still reported. 

FCRA 1681e ( b ) You failed to maintain reasonable procedures to prevent fraudulent reporting.

FTC Red Flags Rule ( 16 CFR 681.2 ) No identity verification was performed.

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 2025-06-19 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: TX

Complaint narrative:
This COMPLAINT is asking for your assistance for formal request for investigation that Credit Bureaus is reporting inaccurate information. I was never late. I always made my payment on time. 

I am very distressed that they have included the below information in my credit profile due to its damaging effects on my good credit standing. As they are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. This is an inaccurate information and is a mistake on either your company or the reporting creditor 's part. Because of the mistake ( s ) on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle.

I'm sure you'll agree, the late payment ( s ) needs to be Removed as soon as possible. The following information needs to be verified and updated from my credit report as soonaspossible : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6.00} Date Opened : XX/XX/year>

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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
debt validation portfolio recovery assets RE : Request for Debt Validation Under the FDCPA To Whom It May Concern, I am writing in response to a notice I received from your agency on [ insert date ] regarding an alleged debt you claim I owe. This letter is not a refusal to pay, but a request for validation made pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide the following : 1. The amount of the debt ; 2. The name of the creditor to whom the debt is currently owed ; 3. A detailed statement explaining the basis for the debt, including a copy of the original agreement or contract, if applicable ; 4. A copy of the debt collectors license ( if required in my state ) ; 5. Proof that your agency has the legal right to collect this debt on behalf of the original creditor ; 6. Any judgment information, if applicable.

Until this information is provided, I request that you cease all collection activity and not report this debt to any credit reporting agency in compliance with 15 U.S.C. 1692g ( b ).

Please send all requested documentation to my address above. I will not discuss this matter further until your office complies with my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Complaint Against American Express Unjust Account Closures and Forfeiture of Membership Rewards Dear CFPB Representative, I am writing to file a formal complaint against American Express concerning the sudden and unexplained closure of my credit card accounts and the forfeiture of all my accumulated Membership Rewards points. 

Without prior notice or clear justification, American Express closed my credit card accounts, despite my history of responsible usage and timely payments. Alongside the closures, I discovered that all of my Membership Rewardsearned over time through eligible purchaseshad been completely removed from my account. 

When I contacted American Express to seek clarification, I was not provided with any specific reason for the closures or details regarding the forfeiture of my rewards. I was also not given any opportunity to appeal or resolve the situation, which I believe is both unfair and potentially in violation of consumer protection standards. 

I am seeking CFPBs assistance to investigate this matter and ensure that : American Express provides a clear and documented explanation for the closure of my accounts.

The forfeiture of my Membership Rewards is reviewed and reversed if no policy violation occurred.

I am given a fair opportunity to appeal or reinstate my accounts and rewards, if appropriate.

I believe consumers deserve transparency, accountability, and a reasonable resolution processespecially when it involves the loss of earned benefits. I would greatly appreciate your help in reviewing this issue and holding American Express accountable. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Velocity Portfolio Group
State: TX

Complaint narrative:
I am sending this asking for your help to file a formal complaint against CKS PRIME INVESTMENTS, regarding an account I have with them XXXXXXXX XXXX XXXX XXXX XXXX  I believe that this account needs to be removed from my credit report due to error, fraud, and be remove. Here are the details of my complaint : CKS PRIME IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$590.00} I have reason to believe that this account was opened fraudulently in my name, and despite my attempts to resolve the issue with the creditor, they have not taken appropriate action to remove the account from my credit report. I have disputed this account with the creditor, but it remains unresolved I am requesting that this account be removed from my credit report, as it is causing significant damage to my credit history and standing. I have made multiple attempts to resolve this matter directly with CKS PRIME INVESTMENTS, buttonoavail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

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 response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
I am writing to formally dispute the continued presence of inaccurate information on my credit report, despite multiple previous attempts to rectify these errors. Under the Fair Credit Reporting Act ( FCRA ), you are obligated to ensure the accuracy and completeness of the information you report. 

These inaccuracies have adversely affected my creditworthiness and have caused undue stress and financial hardship. 

I would like to draw your attention to recent enforcement actions that underscore the importance of accurate credit reporting : The CFPB sued Experian for failing to properly investigate consumer disputes, resulting in the inclusion of incorrect information on credit reports. 
XXXX XXXX was fined nearly {$28.00} XXXX for providing inaccurate, negative information about its customers to credit reporting agencies and for delays in correcting errors. 
XXXX faced a {$23.00} XXXX fine for failures related to tenant screening and security freezes, which included not ensuring the accuracy of rental background checks. 

These cases highlight the serious consequences of non-compliance with the FCRA. 

I am requesting that you : 1. Conduct a thorough and impartial reinvestigation of the disputed items.

2. Delete or correct all inaccurate, incomplete, or unverifiable information.

3. Provide me with a copy of the updated credit report reflecting these changes. 

Please be advised that failure to comply with these requests may compel me to seek legal remedies, including filing complaints with the CFPB and pursuing litigation for damages resulting from your non-compliance. 

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 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I was in federal custody from XXXX XXXX to XXXX XXXX. When these accounts was open in my name

Company response to consumer: Closed with explanation