vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-24 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: CA

Complaint narrative:
I sent a letter on XX/XX/year> to the three credit bureaus about the validation of the accounts listed and they failed to provide me with accurate information. 
Trans Union - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 Experian- XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I contend that the inaccurate late payment notations on my accounts violate 15 USC 1666. I have maintained a consistent record of on-time payments, and any misreporting of this nature is both misleading and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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: OH

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WA

Complaint narrative:
It is very concerning that numerous inaccurate accounts are still present on my credit reports and have yet to be removed. I desperately ask that the attached documents be reviewed in full so that I can be relieved of the anxiety these accounts continue to cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 reporting identity theft and the continued reporting of multiple fraudulent accounts on my credit profile. These accounts were not opened by me, were never authorized, and are part of an ongoing identity theft case. I have no connection to these creditors and did not receive any goods, services, or funds. 

Here are the fraudulent accounts being reported under my name : XXXX XXXX XXXX {$11000.00} XXXX {$2500.00}, {$1000.00}, and {$25.00} ( multiple accounts ) XXXX XXXX XXXX {$520.00} XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$600.00} and {$200.00} XXXX XXXX  {$410.00} XXXX XXXX {$17000.00} XXXX XXXXXXXX XXXX  {$10000.00} These accounts are showing up with negative remarks such as delinquencies, charge-offs, or high balances, and they are damaging my ability to obtain credit, housing, or fair lending rates. 

I have already taken the following actions : Filed a police report Submitted a FTC Identity Theft Report at XXXX Placed fraud alerts and security freezes with all XXXX credit bureaus Collected proof that my data was included in the XXXX Equifax data breach ( Engagement ID : XXXX ) Under FCRA 605B, I am demanding the immediate blocking and permanent removal of these fraudulent accounts within XXXX business days, as required by law. These items should not be reinserted unless verified through a certified legal process. 

If the accounts are not removed or continue to appear, I am prepared to escalate this case through legal counsel for violations of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 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:
I am reporting identity theft and the continued reporting of multiple fraudulent accounts on my credit profile. These accounts were not opened by me, were never authorized, and are part of an ongoing identity theft case. I have no connection to these creditors and did not receive any goods, services, or funds. 

Here are the fraudulent accounts being reported under my name : XXXX XXXX XXXX {$11000.00} XXXX {$2500.00}, {$1000.00}, and {$25.00} ( multiple accounts ) XXXX XXXX XXXX {$520.00} XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX {$470.00} XXXX XXXX {$600.00} and {$200.00} XXXX XXXX  {$410.00} XXXX XXXX {$17000.00} XXXX XXXXXXXX XXXX  {$10000.00} These accounts are showing up with negative remarks such as delinquencies, charge-offs, or high balances, and they are damaging my ability to obtain credit, housing, or fair lending rates. 

I have already taken the following actions : Filed a police report Submitted a FTC Identity Theft Report at XXXX Placed fraud alerts and security freezes with all XXXX credit bureaus Collected proof that my data was included in the XXXX Equifax data breach ( Engagement ID : XXXX ) Under FCRA 605B, I am demanding the immediate blocking and permanent removal of these fraudulent accounts within XXXX business days, as required by law. These items should not be reinserted unless verified through a certified legal process. 

If the accounts are not removed or continue to appear, I am prepared to escalate this case through legal counsel for violations of the Fair Credit Reporting Act.

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 2025-09-24 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: DE

Complaint narrative:
On XX/XX/year>, I received two separate emails from American Express ( Amex ) notifying me that two of my credit card accounts had been closed. The emails stated that the closures were due to " indicia of misuse '' but provided no further details or explanation. 

Following this, I contacted Amex 's customer service a few days later to understand the reason for this decision. During the call, the representative refused to provide any specific details about the alleged " misuse '' and simply repeated the general statement from the emails. They advised me to refer to the cardmember agreement. 

I also inquired about the points and cashback that were in my accounts at the time of closure. The representative confirmed that the points were no longer available since the accounts were closed. At the time of closure, the accounts had a significant amount of points, and I had paid annual fees for one of the cards, which was not refunded.

I have attempted to resolve this matter directly with the company, but have been met with a refusal to provide a specific reason for the account closures and a denial of access to my accumulated points and cashback. The company 's lack of transparency and explanation for this action is concerning and has resulted in the loss of my points and paid annual fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: CA

Complaint narrative:
Back in XXXX I orders a shirts for XXXX from a company name XXXX. I got notification that it was sent on XX/XX/XXXX. XX/XX/XXXXXXXX  I still have not received my items. I had asked them to just go ahead and cancel it since it was after XXXX. And they kept emailing me saying its on its way. Three weeks later someone came to the office and tried to deliver the package and I had explain to them to just go ahead and send it back to sender. The delivery person then threw the package in the yard next-door to me and my neighbor was polite enough to give it to me since it had my name on it it had a lot of XXXX writing on it I packaged it up and mailed it back to them, showing that the package was already delivered and I sent them proof that it was sent and they said that they will refund me which I still have not received today and Discover. I have sent them proof that I had mailed the package back and they refuse to refund me the {$71.00} which now has a higher interest rate so Im paying more money on something that I never received. Enclosed. I will show you what I have received from Discover and from the company saying that they have refunded me. I just got an email from Discover saying they are not refunding me any money that I was disputing about. They did not send any clarification as to why I have called them and had spoken with several rude service people telling me thats what happens when you order from XXXX. It takes forever and thats just how it works.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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:
See the attached documents. 

This inquiry is not authorized and was done by the creditor without my knowledge or permission!! you must remove these inquiries as soon as possible!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a victim of identity theft. My information was stolen. I did not consent to authorize or benefit from any of the following accounts. All are being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked until the investigation is complete. Since 4 business days from the receipt of this communication allowed under federal law to block these orders, failure to do so within 4 business days after receiving this letter constitutes a reason to promptly delete the information from my credit file in refer to FCRA ( USC ) 1681.

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 2025-09-24 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: CA

Complaint narrative:
I sent a letter on XX/XX/year> to the three credit bureaus about the validation of the accounts listed and they failed to provide me with accurate information. 
Trans Union - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 Experian- XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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 sent a letter on XX/XX/year> to the three credit bureaus about the validation of the accounts listed and they failed to provide me with accurate information. 
Trans Union - XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX 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 Experian- XXXX. XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year> XXXX. XXXX XXXX XXXX XX/XX/year> XXXXXXXX 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 2025-09-24 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: WA

Complaint narrative:
There are several inaccurate accounts still present on my credit reports, and they remain unresolved. I am desperately asking that all attached documents be reviewed in detail so I can finally find relief from this ongoing stress.

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 2025-09-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
Around 2020, I had XXXX XXXX for internet at the military base I was stationed at. I dropped them and they required me to drop the motom off at their store. I contacted them that I would not be able to do so, but they had a tech personal who would go to barracks and there was a designated location the tech would drop and pick up their devices. I asked would I be able to leave the motom there instead and was told that would work. Several months later I'm called and told if I don't bring the motom in by the end of the week I was being called I would have around {$70.00} going to collections for not returning their device. Told them again I already left their device at the designated location in the barracks that their tech personal picks up and drops off their devices at. Then about around a month afterwards I get notification that I have a collection from them that is now around {$200.00} from a debt collection agency. At that point I was tired of the back and forth, paid the amount and thought that would be the end. I would say about a year goes by and the same debt collection agency contacts me again saying I owe the same amount again for XXXX XXXX. I dispute it and it goes away for just a few months pops back up again this time by another collection agency. Dispute it again it goes away again. For around a year again, until I go to get my first house and when they go through my credit a ding for collections that I never was notified of and again by XXXX XXXX and dispute again. Go to get me a new vehicle a few months later credit hits I'm delinquent again for the same collection with XXXX XXXX. Then a year and a half goes by and I'm trying to get a second vehicle for my wife and again I'm hit with XXXX XXXX having a collection agency saying I owe but at that point it is now {$410.00} saying I must pay by again another different collection agency. I try disputing it and it takes it time but eventually see it drop. Till today I look at my credit report and mind you I haven't gotten anything in mail, no phone calls, or even texts that another collection agency is on my delinquency for a collection of {$410.00} issued by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: AZ

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 non-monetary relief
Consumer complaint received 2025-09-24 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: CL Holdings LLC
State: FL

Complaint narrative:
I became aware of a collection account on my credit report that I believe is inaccurate and improperly reported. Upon discovery, I promptly initiated multiple disputes with the collection agency and credit bureaus to request validation of the debt. Despite these repeated efforts, the collection agency has failed to provide the legally required documentation, such as a detailed account statement, proof of debt ownership, or evidence that the debt is valid and mine. 
Instead of a proper response, I have received vague, non-responsive communications that do not address the issues I raised. The account continues to be listed on my credit report with inaccurate balances, dates, and status information, which is misleading and inconsistent with XXXX XXXX compliance standards. 
This failure to substantiate the debt and correct the reporting after multiple dispute attempts violates my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and other relevant federal statutes. The continued presence of this unverified collection is adversely affecting my creditworthiness and financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Late payment entries are showing on my credit report that I believe to be incorrect. According to 15 USC 1681e ( b ) and 15 USC 1681i, my credit file must include only information that is fully accurate, complete, and verifiable. I am requesting verification of these entries, and if they can not be confirmed, I ask that they be corrected or deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cheadle Law Firm
State: TN

Complaint narrative:
I tried to settle the debt. XXXX said attorneys do not talk to people who owe debt. Refused to send me any info stating a new amount when I asked for a settlement, refused settlement. I advised I needed a document to show family to help me pay and refused any documents saying I had the one from XX/XX/XXXX. That document shows I owe {$12000.00} and that attorney fees were {$3100.00} paid this debt on XX/XX/XXXX at XXXX am central standard time sent an email to the attorneys general mailbox. Received an email with the actual filing that I was not aware of from XXXX XXXX at XXXX pm on XX/XX/XXXX stating the firm took my payment and I still owe a new amount that was not disclosed to me till that email. I have written correspondence and XXXX never advised of an extra amount. Per the notice received on XX/XX/XXXX it states you can write to us by XX/XX/XXXX we must stop collection on any amount you dispute until we send you information. The only info I have received was the letter showing {$12000.00} and nothing else. I have been in contact with the firm and the firm advises of a processing fee when I still as of now have not been served. I have been asking the firm to settle or give me a lower amount which they refused. They refused to disclose any new information till AFTER they accepted payment. The new amount was never disclosed or advised of when I have asked. I have email proof of this and the firm had plenty of opportunity to advise of the amount before taking the payment from my family member who had to borrow this from their XXXX. 
I also placed in XXXX XXXX civil division the documents from the law firm and proof of payment and nothing was showing of the extra money XXXX is now seeking to steal from my family member. There was no clear amount ever stated besides the statement on XX/XX/XXXX showing the {$12000.00}. Myself and my family member were both advised of a new amount AFTER the payment was accepted and made. Please see attached

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-24 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: IL

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

Company 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