vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-25 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: AL

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 168b permissible purposes of consumer reports. 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.

has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction. 

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. 

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
b'Received an AMEX Gift card in XXXX XXXX from my employer as a XXXX XXXX  The card is impossible to use and keeps getting declined. I have called AMEX customer service numerous times and am unable to speak to a live representative. Instead I am transferred to a series of automated responses that provide some instructions on how to use the card, none of which work. XXXXAMEX Gift Card XXXX XXXX XXXXCalls were made to AMEX from XXXX XXXX XXXX XXXXAMEX claims that the card can be used most anywhere, this is not a fair statement.\nMade attempts to use the card at numerous places, only two places would accept the card: XXXX XXXX  in Oregon and XXXX  on line.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: CLGF Holdco 1, LLC
State: MO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Mo. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Original Creditor : Indigo XXXXXXXX XXXX XXXX Subject : Cease and Desist- Request for deletion of Collection account Dear XXXX XXXX XXXX, I am writing to formally request that you immediately cease all reporting of the collection account associated with my name, which appears on my credit report. This request is made under the privacy protections afforded to me by 15 U.S. Code 6802. I have reviewed my credit report and noticed that your company is reporting a collection account that is inaccurate or incomplete. According to the Fair Credit Reporting Act, I am entitled to dispute any information that I believe to be erroneous. If you do not cease reporting this account, I am formally requesting Proper Validation and Proof of Claim as per the Fair Debt Collection Practices Act ( FDCPA ). I seek comprehensive validation of the alleged debt and that there exists a legally binding contractual obligation compelling me to do so. For clarity, I request that all communication be limited to written correspondence until adequate validation of the purported debt is provided. To assist you in meeting this request, please furnish the following required documentation : 1. A copy of the original contract or agreement under which the debt arose.

2. A detailed account statement showing the amount of the debt, including any fees or interest.

3. Date of last activity.

4. Full, accurate social security number that may help to identify me as the person you are trying to collect from.

5. Documentation confirming that you have the legal right to collect this debt.

6. Any correspondence related to this account that includes my signature or consent.

I demand that you take the following actions : 1. Immediately cease reporting the collection account associated with my name.

2. Confirm in writing within 15 days that this account has been deleted from all credit reporting agencies or provide the requested validation. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. Please understand that failure to comply with this request may result in further actions on my part, including but not limited to filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies to protect my rights. Thank you for your immediate attention to this matter. I hope to resolve this issue swiftly. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is a final rebuttal to XXXX XXXXXXXX XXXX XXXXXXXX response. 

Despite multiple requests, XXXX XXXX has failed to provide true debt validation as required under the Fair Credit Reporting Act ( FCRA ). Instead, they repeated canned statements and falsely claimed I declined to speak with them. In reality, I did speak with them via chat and phone while driving, and it was during that call that they confirmed : They can not provide a signed agreement or even electronic signature logs ; They will not provide a full itemized breakdown of the balanceonly billing statements ; Their validation consists of generic agreements and statements already in dispute. 

XXXX XXXX is the furnisher of information to the credit bureaus and must mark an account in dispute under FCRA 623 ( a ) ( 3 ), which I have not seen reflected in my report. 

I am requesting that the CFPB forward this rebuttal to the appropriate regulatory agencies for further review ( including the OCC or FTC ), as I have exhausted all resolution channels with the bank and believe my rights under the FCRA have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This is a final rebuttal to XXXX XXXX XXXX XXXXXXXX response. 

Despite multiple requests, XXXX XXXX has failed to provide true debt validation as required under the Fair Credit Reporting Act ( FCRA ). Instead, they repeated canned statements and falsely claimed I declined to speak with them. In reality, I did speak with them via chat and phone while driving, and it was during that call that they confirmed : They can not provide a signed agreement or even electronic signature logs ; They will not provide a full itemized breakdown of the balanceonly billing statements ; Their validation consists of generic agreements and statements already in dispute. 

XXXX XXXX is the furnisher of information to the credit bureaus and must mark an account in dispute under FCRA 623 ( a ) ( 3 ), which I have not seen reflected in my report. 

I am requesting that the CFPB forward this rebuttal to the appropriate regulatory agencies for further review ( including the OCC or FTC ), as I have exhausted all resolution channels with the bank and believe my rights under the FCRA have been violated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: LA

Complaint narrative:
I disputed my XXXX  XXXX information and they sent back that everything was verified they didn't verify anything my payment history is different on all of them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 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:
Kindly remove and block the unauthorized accounts from my credit report promptly. I did not authorize or recognize these accounts. As per USC 1681g, I am requesting they be deleted within 15 days. Ive attached documentation for your review. Additionally, the account details reported to each bureau are inconsistent and 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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANCFIRST CORPORATION
State: OK

Complaint narrative:
Bancfirst called it a Piggy back check and said if its over 30 days their not liable.

My check payee was XXXX XXXX XXXX XXXX cleared on XXXX for amount of {$10.00} dollars clear as {$650.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-04-25 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: CA

Complaint narrative:
I am submitting this statement to formally report that I have been a victim of identity theft. As a result, there are numerous unauthorized hard credit inquiries on my credit report that I did not authorize or initiate. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) and requesting that these items be investigated, verified, and permanently removed from my credit file without delay. 

Details of the Dispute : I am disputing the following hard inquiries that appear on my credit report, which I believe to be the result of fraudulent credit applications made without my knowledge or consent : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries occurred between  XX/XX/XXXX and XX/XX/XXXX . I did not apply for credit with any of the above entities and did not authorize any third party to do so on my behalf. 

Formal Request for Investigation and Deletion : Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am requesting that all credit reporting agencies immediately block and delete these fraudulent inquiries. 
Additionally, under FCRA 611 ( 15 U.S.C. 1681i ), I am formally requesting verification of the origin and legitimacy of each inquiry. If the furnishers can not provide signed applications or valid authorization from me, these inquiries must be removed immediately. 

Compensation for False Verification : According to FCRA 616 ( 15 U.S.C. 1681n ), if any of these inquiries are falsely verified as legitimate despite my identity theft report, I am entitled to statutory damages of {$1000.00} per violation. 

Supporting Documentation Provided : Identity Theft Report ( police & FTC affidavit ) Government-issued photo ID Proof of current address ( e.g., utility bill, lease, or bank statement ) Requested Actions : 1. Immediate blocking and permanent deletion of all listed fraudulent inquiries.

2. Verification documentation for each inquiry, if the deletion is not possible.

3. Written confirmation that these items have been deleted.

4. Notice to each furnisher to cease reporting unverifiable inquiries.

5. An updated credit report reflecting these corrections.

I expect confirmation in writing that this request has been processed in full compliance with the FCRA. Failure to comply may result in legal 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
Consumer complaint received 2025-04-25 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:
I recently reviewed a copy of my credit report and noticed i had fraudulents on my report. 
Please remove these accounts from my report, they are hurting my ability to obtain credit. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, 2025 Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Request for Reassessment Improper Duplicate Classification by XXXX ( CFPB Case # XXXX ) To Whom It May Concern, I am writing to bring to your attention that the duplicate classification related to CFPB Case # XXXX was not made by your agency, but rather by XXXX XXXX in their response to my complaint. I respectfully request that the CFPB treat this case as an independent dispute, as it raises new issues that have not been previously investigated or resolved. 

Background : In my XXXX 2025 complaint, I raised new and specific concerns including : XXXX refusal to provide documentation supporting the alleged online application and electronic acknowledgment. 
Their denial of validation requests on the basis of proprietary informationwithout explanation or lawful exemption. 
Evidence that they did not conduct a fresh investigation, as required under FCRA 1681i, but instead repeated conclusions from a prior case. 

XXXX responded to this new submission by repeating their prior findings and stating their position remains unchanged, without addressing the new claims. This is not a valid reinvestigation, and their unilateral labeling of my complaint as a duplicate violates the procedural requirements outlined in the Fair Credit Reporting Act. 

What Im Requesting : That the CFPB recognize Case # XXXX as a distinct and valid complaint, and not accept XXXX dismissal of it as a duplicate. 
That XXXX be required to conduct a new, proper reinvestigation based on the supplemental concerns raised. 
If XXXX can not provide verification of the application and debt validity, I request deletion of the tradeline per FCRA 611 ( a ) ( 5 ) ( A ).

Thank you for taking the time to review this matter. I appreciate the Bureaus role in ensuring that consumers receive full and fair treatment under the law. 

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 2025-04-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX, 2025 Consumer Financial Protection Bureau XXXX. XXXX XXXXXXXX XXXX, D.C. XXXX Request for Reassessment Improper Duplicate Classification by XXXX ( CFPB Case # XXXX ) To Whom It May Concern, I am writing to bring to your attention that the duplicate classification related to CFPB Case # XXXX was not made by your agency, but rather by XXXXXXXX XXXX in their response to my complaint. I respectfully request that the CFPB treat this case as an independent dispute, as it raises new issues that have not been previously investigated or resolved. 

Background : In my XXXX 2025 complaint, I raised new and specific concerns including : XXXX refusal to provide documentation supporting the alleged online application and electronic acknowledgment. 
Their denial of validation requests on the basis of proprietary informationwithout explanation or lawful exemption. 
Evidence that they did not conduct a fresh investigation, as required under FCRA 1681i, but instead repeated conclusions from a prior case. 

XXXX responded to this new submission by repeating their prior findings and stating their position remains unchanged, without addressing the new claims. This is not a valid reinvestigation, and their unilateral labeling of my complaint as a duplicate violates the procedural requirements outlined in the Fair Credit Reporting Act. 

What Im Requesting : That the CFPB recognize Case # XXXX as a distinct and valid complaint, and not accept XXXX dismissal of it as a duplicate. 
That XXXX be required to conduct a new, proper reinvestigation based on the supplemental concerns raised. 
If XXXX can not provide verification of the application and debt validity, I request deletion of the tradeline per FCRA 611 ( a ) ( 5 ) ( A ). 

Thank you for taking the time to review this matter. I appreciate the Bureaus role in ensuring that consumers receive full and fair treatment under the law. 

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 explanation
Consumer complaint received 2025-04-25 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-25 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: CA

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

Company response to consumer: Closed with non-monetary relief