vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-31 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXXXXXX XXXX XXXX  XXXX * * * * Balance : {$4200.00} XXXX XXXX XXXX * * * * Balance : {$19000.00}

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 2025-05-31 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-31 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
I was foolish not to have a fellow tenant who was a friend of mine to take equal responsibility on the rent not paid. I respectfully request a settle of {$1100.00} from me personally payable in XXXX payment to release me of the overall {$4400.00} indebtedness. Otherwise, I request a complete accounting of how the number of {$4400.00} was reached. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: VA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX : {$12000.00} Open Date XXXXXX/XX/XXXX Balance {$2400.00} Open Date XX/XX/year>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 2025-05-31 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: NM

Complaint narrative:
Dear CFPB representative, American Express charged {$320.00} annual fee to my credit card on XX/XX/XXXX and then closed my account on XX/XX/XXXX. Based on section XXXX in AMERICAN EXPRESS CARD CARDMEMBER AGREEMENT ( I will attach the document ), the annual fee will be refunded if the card is cancelled within 30 days of the date of the statement on which the annual fee appears. For my case, it is just 1 day apart. 

Since American Express refused to refund the annual fee, I have to file a complaint to ask for your assistance to get my annual fee refunded. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Financial Recovery Services, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XX/XX/year> Financial Recovery Services XXXX XXXX XXXX XXXXXXXX, MN XXXX Re : Request for Debt Validation Account XXXX To Whom It May Concern : I am writing in response to a letter received on XXXX XX/XX/year>XXXX  regarding an alleged debt you claim I owe. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I am requesting validation of this debt. 

Please provide the following : 1. The name and address of the original creditor.

2. The full amount of the alleged debt, including a breakdown of any interest, fees, or charges.

3. Copies of any documents bearing my signature that verify my agreement to this debt.

4. A detailed accounting of the debt and how the amount was calculated.

5. Documentation showing you are legally authorized to collect this debt in my state.

6. If applicable, a copy of any judgment against me. 

Until you provide the information requested, I respectfully request that you cease all collection activities, including reporting to credit bureaus. 

Please be advised that I am keeping records of all communications regarding this matter. This letter is sent in good faith, and I expect your full cooperation. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
Please refer to the attached documents regarding the national data breach in which I noticed multiple inaccuracies and fraudulent accounts hindering 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This inquiry was made without my consent ; I have not interacted with this lender on the mentioned date.

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 2025-05-31 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
I have a loan on my credit for a car that I no longer have. I also have other collections that I am interested in getting removed.

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 2025-05-31 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Global Lending Services LLC
State: FL

Complaint narrative:
To Whom It May Concern I, XXXX XXXX XXXX, am a lawful consumer under the protections of the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Fair and Accurate Credit Transactions Act ( XXXX ). I am hereby submitting a formal cease and desist demand and notifying you of potential legal action. 

I have made XXXX ( XXXX ) prior dispute attempts to have the fraudulent and unauthorized account listed under XXXX XXXX Services ( appearing on my report as XXXX XXXX XXXX ) removed from my credit report. This account, with a balance of {$12000.00}, and a date opened of XX/XX/XXXX, does not belong to me and was created fraudulently without my authorization. I am a victim of identity theft. 

Every time I dispute this account, it temporarily disappearsonly to reappear under a different abbreviation. This repeated re-reporting of the same false debt under different names constitutes willful noncompliance, fraudulent misrepresentation, and continued harassment under federal rule XXXX XXXX  FINAL WARNING AND LEGAL DEMAND Let this serve as your legal notice that you are to immediately and permanently cease all reporting, sharing, collecting, or verifying of these accounts. Under 15 U.S.C. 1681i, you are required to conduct a reasonable reinvestigation of any disputed information and delete unverifiable, inaccurate, or fraudulent entries within XXXX XXXX 

You are now on final notice : I will be filing a lawsuit against your institution and/or the original creditor for violations of federal consumer protection laws. 

I will escalate this complaint to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office. 

This letter serves as a formal cease and desist under the FDCPA. You are prohibited from further contact, collection efforts, or credit reporting of these accounts. 


Failure to comply will result in civil and statutory penalties, and I will pursue all legal remedies available under the law. 


-- - Signatory Information XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN ( Last XXXX ) : XXXX Email : XXXX Address : XXXX Whistling Trl XXXX XXXX. XXXX, FL XXXX Date : XX/XX/XXXX 2025

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: NY

Complaint narrative:
Dear CFPB, Upon reviewing my consumer credit reports, I identified inaccurate reporting of late payments on the following account XXXX XXXX XXXX XXXX  XXXX I have consistently made on-time payments on this account and dispute the reported delinquencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information and request an investigation. Additionally, the FCRA mandates that consumer reporting agencies and furnishers of information report data with maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ). 

I am formally requesting that the CFPB investigate these inaccuracies. I also request that the furnisher or consumer reporting agency provide documentation, such as account statements or payment histories, proving the validity of the late payments. If they are unable to substantiate these claims, I request that the inaccurate late payments be corrected immediately to reflect their accurate, on-time status. 

This reporting error is negatively impacting my creditworthiness, and I am seeking resolution under my rights as provided by federal consumer protection laws. 

Thank you for your attention to this matter. I have attached supporting documentation for your review. 

Sincerely, 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 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Dear CFPB, Upon reviewing my consumer credit reports, I identified inaccurate reporting of late payments on the following account XXXX XXXX XXXX XXXX  XXXX I have consistently made on-time payments on this account and dispute the reported delinquencies. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i, consumers have the right to dispute inaccurate information and request an investigation. Additionally, the FCRA mandates that consumer reporting agencies and furnishers of information report data with maximum possible accuracy ( 15 U.S. Code 1681e ( b ) ). 

I am formally requesting that the CFPB investigate these inaccuracies. I also request that the furnisher or consumer reporting agency provide documentation, such as account statements or payment histories, proving the validity of the late payments. If they are unable to substantiate these claims, I request that the inaccurate late payments be corrected immediately to reflect their accurate, on-time status. 

This reporting error is negatively impacting my creditworthiness, and I am seeking resolution under my rights as provided by federal consumer protection laws. 

Thank you for your attention to this matter. I have attached supporting documentation for your review. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-05-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I contacted XXXX XXXX of XXXX today XX/XX/year>. Because XXXX XXXX and Consumer Adjustment Co. from XXXX  XXXX XXXX XXXX XXXX XXXX XXXXecide to put a collection on my credit report without any calls or letters or payment notices or letters sent, without notify me of anything. How I find out was through XXXX  and XXXX alerts. So, I contacted XXXX XXXX and asked why haven't they contacted me or sent me payments through the mail. And the representative said well ma'am all of your hospital bills have been paid from a XXXX XXXX XXXX since we couldn't find your insurance on file with us so they paid everything off and that the reason why no bills weren't sent to you .Then I asked her so why is XXXX XXXXXXXX is ask for ( {$1600.00} ) and XXXX  XXXX XXXX XXXX asking for ( {$1500.00} ) is still trying to collect money from me and I was also told now, so is XXXX XXXX XXXX XXXXXXXX asking for ( {$830.00} ), and they have never sent me a bill also. And she told me maybe they sent things differently but she definitely know that all the bills here on our records showed it been paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 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: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX

Complaint narrative:
XX/XX/year> XXXX XXXX XXXX State Hwy XXXX XXXX XXXX XXXX, TX XXXX XXXX RE : to dispute inaccurate information on my credit report After reviewing my credit report I noticed some inaccurate accounts on my credit report. As a result of a data breach that has compromised my personal information. Under my rights as outlined in the Fair Credit Reporting Act ( FCRA ), I request the immediate deletion of this erroneous data within XXXX ( XXXX ) days of receipt of this letter. Pursuant to the following laws, I am asserting my rights to dispute and demand removal of unauthorized or incorrect information : 15 USC 1681b ( FCRA Section 604 ) Governs permissible purposes for accessing and using consumer reports. If my personal data has been accessed fraudulently due to a data breach, it constitutes a violation of my rights under this provision. 15 USC 6802 ( Gramm-Leach-Bliley Act ) Requires financial institutions to protect consumer information and prohibits unauthorized disclosures. Any failure to secure my data leading to the inclusion of fraudulent information on my credit report is a direct violation of this statute. 18 USC 1028A ( Aggravated Identity Theft ) Establishes penalties for identity theft-related offenses, including unauthorized use of personally identifiable information. Any fraudulent accounts or transactions resulting from the data breach fall under this category. Under 15 U.S. Code 16821c-2, Consumer Reporting Agencies ( CRAs ) are legally obligated to block any information in a consumers file that the consumer identifies as the result of alleged identity theft, within XXXX business days of receiving proof of identity, an identity report, and the identification of the disputed information. The law does not explicitly define what constitutes proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-31 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: SC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>XXXX  This CFPB complaint has been filed to request pursuant to FCRA XXXX ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX, XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments ive attached a copy of my report to this complaint on the following dates XX/XX/year> XXXX now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt 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 explanation