vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Recovery Services, Inc.
State: CA

Complaint narrative:
I received a fns check to be deposited notification and it does have my personal information on it and when i did try to call the number that was providing to me, all i heard on the line is the number you dialed it most likely a scam

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$36000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00}

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 2025-09-30 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: CA

Complaint narrative:
I was out of the country, and upon returning, I discovered this account reported on my credit file. I attempted to contact directly to resolve the matter, but the assistance I received was unhelpful. I am disputing this account as inaccurate and request that it be investigated and removed if it can not be fully validated.

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 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: National Consumer Telecom & Utilities Exchange, Inc.
State: FL

Complaint narrative:
I am submitting this complaint to request a credit freeze ( security freeze ) with all three major credit reporting agencies. I want to prevent any unauthorized access to my credit file and protect myself from potential identity theft or fraudulent activity. Despite my attempts to contact the credit reporting agencies, I have encountered obstacles and have not been able to successfully initiate a credit freeze. I am concerned that without this freeze, my personal credit information remains vulnerable to misuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
This is identity theft and fraud. Two accounts are being reported that I never opened or authorized : CCB/FE21CC opened XX/XX/year>, high credit {$430.00}, charged off/sold CCB opened XX/XX/year>, high credit {$540.00}, charged off/sold I never lived at or used the address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, which these accounts are tied to. Another company, XXXX XXXX XXXX, has already confirmed in writing that their account ( Comenity Bank/Victorias Secret , also opened in XX/XX/year> ) was connected to this same fraudulent address and they deleted their collection as a result. 

These CCB accounts are part of the same fraud. They are not mine, they were opened without my consent, and they must be permanently deleted from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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:
I am writing to dispute unauthorized hard inquiries that appear on my credit report. These inquiries were made without my knowledge or consent and are the result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Harris & Harris, Ltd.
State: IL

Complaint narrative:
Over the course of XXXX, XXXX, and XXXX, I contacted XXXX XXXX XXXX/XXXX XXXX XXXX in XXXX, XXXX, several times regarding money that they owed me ( {$220.00} ) due to a medical billing error. In addition, they also owed me {$40.00} due to overpayment on copays on XXXX different clinic visits ( I paid {$30.00} and {$60.00}, when each copay should have been {$25.00} ) ( see attachment called Original billing issue email ). In a series of emails and phone calls, the company has repeatedly acknowledged that XXXX ) I do not owe them any money, and XXXX ) they owe me a total of {$260.00}. 

On XX/XX/XXXX, I received an automated email indicating that a refund for {$220.00} had been processed ( see attachment called Refund confirmation email XXXX ). I was also told in a separate email from XXXX XXXX, the company 's Regional Director of Operations for the XXXX region, that my other {$40.00} in refunds had been processed, though I have no proof of this beyond her email ( see first message in attachment XXXX XXXX email chain XXXX ). As of today ( XXXX XXXXh, 27 days after the automated email ) no money has been refunded to my credit card. 

On XX/XX/XXXX, I received a phone call from a representative asking for a {$35.00} payment. I briefly explained that they owed * me * money and directed her to call XXXX XXXX. XXXX days later, I received an email from XXXX XXXX apologizing for the mistake and acknowledging that the collections call was an error. She reiterated, again, that I did not owe them money ( see second and third messages in XXXX XXXX email chain XXXX ). 

On XX/XX/XXXX, I received XXXX notices in the mail from Harris & Harris Ltd., a debt collector. These notices both say that I owe the company {$25.00}. It is unclear what these might be referencing, given that I am still owed {$260.00} and I have repeatedly been told that I do not owe anything. The XXXX notices are for XXXX different original amounts ( {$330.00} and {$360.00} ) and there is no documentation provided ( see Collections XXXX # XXXX and # XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am a military spouse seeking relief under the Servicemembers Civil Relief Act ( SCRA ) and/or Military Lending Act ( MLA ). My husband has been an active-duty servicemember for over 18 years and currently serves overseas on XXXX. We were married last year. 

I have had XXXX American Express accounts in my name since 2016, including a XXXX XXXX. Since his XXXX, I have submitted multiple requests to American Express for XXXX XXXX XXXX specifically to reduce or waive annual fees, but I have been repeatedly denied. 

American Express has not provided a clear explanation of why I am ineligible, despite my status as a military spouse and dependent. I was recently charged the XXXX annual fee and now have fewer than XXXX  days to either close my account or pay the fee, which I can not afford. 

I am not seeking a handout but a fair application of the law. I respectfully request CFPB review and assistance in ensuring American Express provides a clear determination and considers relief consistent with XXXX protections for military families.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing an alleged debt that XXXX XXXX XXXX XXXX XXXX claims to have purchased from Citibank , XXXX XXXX 

On XX/XX/year> and again in XX/XX/year>, I submitted formal debt validation requests under the Fair Debt Collection Practices Act ( FDCPA ) XXXX ( b ). I specifically requested : A copy of the original signed contract or application with Citibank , XXXX . 

A complete chain of title and assignment of the debt from Citibank , XXXX  . to XXXX XXXX XXXX XXXX XXXX. 

An itemized accounting of the alleged balance, showing how the amount was calculated. 

Legal proof of XXXX right to collect and report the debt. 

XXXX failed to provide the requested documentation. Instead, they continued reporting the account to credit reporting agencies, which constitutes continued collection activity without proper validation in direct violation of FDCPA XXXX ( b ). 

Additionally, XXXX communications have included statements that misrepresent the legal status and enforceability of the debt, which may also violate the Fair Credit Reporting Act ( FCRA ) by furnishing inaccurate or incomplete information to the credit bureaus. 

This is now the second validation demand that XXXX has ignored. Their failure to provide the legally required documents while continuing to collect and report is unlawful. 

I am requesting that the CFPB require XXXX to : Immediately cease all collection activities on this account. 

Delete the account from all credit reporting agencies ( XXXX, XXXX, XXXX  ). 

Provide full documentation proving their right to collect, if they intend to continue pursuing this matter. 

Consumers are entitled to accurate reporting and full debt validation. XXXX has failed to meet these legal standards, and I request the CFPBs intervention to enforce compliance.

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 2025-09-30 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: FL

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously filed a dispute with Experian on XX/XX/year> regarding inaccurate and unverifiable items on my credit report. It has been more than 30 days, and the bureau has failed to provide any response. 

Under the Fair Credit Reporting Act ( FCRA ) XXXX, the bureau is required to complete a reinvestigation of disputed items within XXXX  days ( or XXXX  days if I provide additional information ). Since no response was provided, the disputed information must be considered unverified and therefore must be deleted. 

By failing to respond within the statutory timeframe, the bureau is in violation of FCRA XXXX and XXXX ( b ). Continuing to report these items without proper reinvestigation or verification is unlawful. 

I am requesting that the CFPB ensure the bureau immediately : Deletes the disputed items from my credit report

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 2025-09-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
Repeatedly calling me and also calling my family ( mother and father ) and I am not under XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: FL

Complaint narrative:
Submitted multiple FTC Identity Theft Reports to Equifax informing them of fraudulent inquiries on mt credit report and they have failed to remove the inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: AL

Complaint narrative:
I have submitted multiple formal dispute letters to Equifax Information Services LLC regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Equifax Information Services LLC continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 00:00:00
Product: Prepaid card — Gift card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I started this dispute because I bought a card on XX/XX/XXXX sometime in the morning and was planning on using it later that evening. Before I was to use it, I wanted to check the balance and that is when I noticed the unauthorized charge that took majority of my money and left some cents on the card. I did not know who the company or individual who took the money was, so I immediately called the number on the card to begin the dispute. 

Signed dispute case XX/XX/XXXX XX/XX/XXXX dispute declined with no reasoning XX/XX/XXXX got reasoning for declined dispute : authorized use XX/XX/XXXX asked to dispute the decline XX/XX/XXXX emailed again asking to dispute while explaining situation ( was given wrong email, told the company did not use that email for disputes. ) Also did not get response for a while, responded XX/XX/XXXX XXXX  answered XX/XX/XXXX Called Tuesday ( XX/XX/XXXX ) told to wait and call if I did not receive an email Called Thursday ( XX/XX/XXXX ) and was told to wait until Friday and call again if I did not receive an email XXXX answered on XX/XX/XXXX was told I have to wait 10 days Original balance on card : {$410.00} Tried {$490.00} Took : {$410.00} Left : {$0.00} Was not originally told fraudulent company tried {$490.00} before taking {$410.00}. 

XXXX XXXX XXXX expect response cant give time frame or check on email. XXXX ( XXXX ) said XXXX hours. She said Investigation was calling company to ask if I gave card information out. Exchange was done over email. Did not confirm if the company was legit. 

Called : XXXX  answered XX/XX/XXXX XXXX sent dispute XX/XX/XXXX Signed dispute XX/XX/XXXX Case denied XX/XX/XXXX Another Email sent on XX/XX/XXXX * XXXX is merchant name * On various occasions I was told that I would receive a response within a certain time frame and the response exceeded said time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: MS

Complaint narrative:
I have submitted multiple dispute letters to Equifax, Experian, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain uncorrected. Attached are copies of the letters previously sent to each bureau, along with a table outlining the discrepancies across all three reports. I kindly request your assistance in resolving these issues as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I discovered inaccurate and likely identity-theft tradelines on my credit report. Specifically, XXXX ( account ending XXXX ) and XXXX XXXX ( account ending XXXX ) are reported as charge-offs/collection items even though I did not open or authorize either account. My credit file also contains multiple old addresses that do not match my current address on file, increasing my exposure to fraud. 

I disputed these items with the credit bureaus but the furnisher ( XXXX ) either failed to provide adequate primary-source documentation or did not correct/remove the accounts. I am requesting the CFPB 's help because the furnisher ( s ) must follow Metro 2 reporting standards and the FCRA. I supplied the bureaus with identification and documents but have not received Metro-2 field-level verification showing the account application or consumer identification used to open the accounts. 

Relevant documents Im attaching : my credit report pages showing the XXXX and XXXX tradelines and the address discrepancies, my ID and proof of address, and a police/FTC identity theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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: NC

Complaint narrative:
I discovered inaccurate and likely identity-theft tradelines on my credit report. Specifically, XXXX ( account ending XXXX ) and XXXX XXXX ( account ending XXXX ) are reported as charge-offs/collection items even though I did not open or authorize either account. My credit file also contains multiple old addresses that do not match my current address on file, increasing my exposure to fraud. 

I disputed these items with the credit bureaus but the furnisher ( XXXX ) either failed to provide adequate primary-source documentation or did not correct/remove the accounts. I am requesting the CFPB 's help because the furnisher ( s ) must follow Metro 2 reporting standards and the FCRA. I supplied the bureaus with identification and documents but have not received Metro-2 field-level verification showing the account application or consumer identification used to open the accounts. 

Relevant documents Im attaching : my credit report pages showing the XXXX and XXXX tradelines and the address discrepancies, my ID and proof of address, and a police/FTC identity theft report

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 2025-09-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Primus Law PC
State: UT

Complaint narrative:
I was served by an attorney ( XXXX XXXX ) on behalf of a debt collector on XX/XX/2025. After service, I promptly requested an itemized statement of the debt on XX/XX/2025. I was told it had been sent that day, but nothing ever arrived before payment was due. I was given XXXX days to pay to avoid the complaint being filed. 

Because I did not receive the itemization until after I had already paid and made a second request on XX/XX/2025, I had no meaningful chance to dispute or verify the debt as the FDCPA requires. I felt pressured into paying under the threat of litigation, and the balance I paid included attorneys fees that I had no chance to review or confirm beforehand. 

I believe this conduct violated the FDCPA by overshadowing my rights and using unfair collection practices. I am requesting reimbursement of the attorneys fees I was charged and review of this law firms practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-30 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:
I have submitted multiple formal dispute letters to TRANSUNION LLC Consumer Dispute Center. 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, TRANSUNION LLC Consumer Dispute Center. continues to willfully report inaccurate data in violation of FCRA XXXX U.S.C. XXXX ( b ), XXXX, and FDCPA XXXX and XXXX. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce compliance.

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