vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 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: VA

Complaint narrative:
My personal information was exposed in a data breach, Someone has stolen my personal information and use it to open up account. Please block and remove these fraudulent and incorrect accounts from my credit report. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

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 2025-05-08 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 recently reviewed a copy of my credit report after coming back from overseas and not checking it for a long while. I had come to find out that mypersonal information was used to create several accounts and even take out leases and car loans for places I have never lived and cars i wouldn'tever buy. Please remove these fraudulent accounts from my report as they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Subject : Request for Debt Validation Dear Discover Bank, I am writing in response to your communication regarding the alleged debt referenced above. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I formally request validation of this debt.

Please provide the following information : * Proof that I owe this debt ( original creditors name, account number, and a copy of the signed agreement ). 
* A detailed breakdown of the amount owed, including interest, fees, and payments credited. 
* Verification that your company is legally authorized to collect this debt in Texas.

* The date of the last payment. 

Until you provide this documentation, I dispute this debt and request that you : Cease all collection efforts by reporting this to the credit bureaus Update my credit report to reflect this dispute. 

Confirm in writing if this debt has been sold or transferred. 

If you fail to validate this debt within 30 days, I expect all collection activities to stop, and the debt to be removed from my credit file. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MS

Complaint narrative:
I submitted a debt validation letter to XXXX XXXX XXXX and never received a response. Despite this, XXXX reported some collection account to TransUnion. 

I currently receive Supplemental Security Income ( SSI ) and can not pay the debt. Reporting this debt is causing harm and may violate the FDCPA and FCRA, especially given my documented financial hardship. 

I respectfully request that TransUnion investigate and permanently delete the XXXX collection from my credit report. I have attached my hardship letter, SSI award letter, and supporting documents.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
Today XX/XX/XXXX, American express cancelled all my cards including my business gold card, my business platinum card and my personal platinum card, and forfeited my XXXX points, which worth more than {$100000.00} dollars. I called them ask and they said card misuse and did not follow company policy. 
I am sure I did not misuse my cards as my business card were used for our company 's XXXX XXXX  advertisement expense and my personal cards I just used for my personal usage. so I called them several times and asked to get my points back, as normally we have 30 days to transfer my points away, but they refused to do that. 
I feel its not a correct way a huge company can to to their customers, I have been an American express credit card member for 12 years and have been enjoyed their service. but then they took the points away which I accumulated in the past years. 
I do need my points back

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: FL

Complaint narrative:
Experian Reporting Debt as Delinquent Despite IRS-Confirmed Cancellation by XXXX XXXX I am submitting this complaint due to Experians continued inaccurate reporting of a XXXX XXXX XXXX XXXX account as delinquent/charged off, despite IRS-confirmed cancellation. XXXX XXXX filed Form 1099-C in XX/XX/XXXX canceling {$33000.00} and filed a corresponding 1099-B reflecting a {$300000.00} transaction, confirming the obligation was settled and discharged. 

I submitted this evidence to Experian by certified mail, along with a correction request letter demanding the tradeline be updated to reflect Paid in Full or Settled Paid with accurate history. Experian has failed to act. 

Under FCRA XXXXe ( b ), XXXXi ( a ) ( 5 ) ( A ), and XXXX ( b ), the continued reporting of this account as delinquent is materially misleading and violates federal reporting standards. 

I am requesting CFPB intervention to compel Experian to : Reflect this account as paid in full as of XX/XX/XXXX Remove any delinquency notations Retain the positive credit history for age/utilization Attached are the 1099-C and 1099-B forms and my formal correction demand.

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 2025-05-08 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
I have several accounts that are reporting late payments, but I made the payments on time. I have attached supporting documentation for each account to prove they were not late. I have already disputed these inaccuracies with the credit bureaus and contacted the creditors directly, but the accounts have not been corrected.

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 2025-05-08 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: TX

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 2025-05-08 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: TX

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 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
MrCooper mortgage company has demanded that we purchase flood insurance and has now charged us {$7600.00} for flood insurance. They sent us a letter stating that our home occupies flood zone V. We are actually in an X zone and are not required to purchase flood insurance and have lived in this house for XXXX XXXX and have never had to purchase flood insurance before. I have contacted the city manager as well as others and they have all said that we are not in a flood zone and are not required to purchase flood insurance. This all began in XX/XX/XXXX and I sent documents showing the flood zone that our home occupies and that we are not required to get flood insurance. They have ignored us as well as others in our area that occupy the same flood zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CT

Complaint narrative:
I am submitting this formal complaint regarding a tradeline on my credit report associated with XXXX XXXX XXXX XXXX. The account has a history of late payments reported, including 30, 60, 90, and 120 days past due. However, upon directly contacting XXXX, they informed me that they are unable to provide any statements, documentation, or proof that these late payments actually occurred. 

Under the Fair Credit Reporting Act ( FCRA ), furnishers of information are required to maintain and provide evidence that supports the accuracy of the data they report to credit reporting agencies. If they can not verify the accuracy of their reporting, the derogatory information must be immediately removed. 

Given that neither I nor XXXX has any evidence proving that these late payments occurred, the continued reporting of this negative item is inaccurate, unverifiable, and potentially fraudulent. I am requesting that the CFPB compel XXXX to either provide documentation or remove these negative items from all credit reports. 

Please assist me in resolving this matter promptly and ensure my rights under the FCRA are enforced.

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 2025-05-08 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: NC

Complaint narrative:
XXXX XXXX are not reporting correctly on Equifax and Transunion. The account showes up at least 7 Times. The account is 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 2025-05-08 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: MI

Complaint narrative:
On XX/XX/XXXX, I submitted a formal dispute to Experian requesting the reinvestigation and removal of multiple inaccurate collections, unauthorized inquiries, and erroneous personal identifiers appearing in my credit report. Despite citing clear violations of the Fair Credit Reporting Act ( FCRA ) and requesting documentation or deletion, Experian has failed to comply with federal legal standards for timely response and reinvestigation. 

Experian has not responded with any method of verification, has not corrected the inaccurate data, and continues to report accounts and personal information that are demonstrably outdated, incorrect, or unsupported. 

Disputed Information : Collections : Furnisher Account Number Reason for Dispute XXXX  XXXX Charge-off listed without proper verification of ownership XXXX XXXX XXXX XXXX XXXX No documentation , inconsistent open/close dates XXXX XXXX XXXX Collection status unverified , potential reporting error XXXX XXXX XXXX No proof of debt, questionable reporting format XXXX XXXX No documentation or evidence of authorization for reporting Personal Information Errors : Incorrect Names : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX ( not accurate ) Incorrect Addresses : 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 FCRA Violations Identified : XXXXi ( a ) : Failure to complete reinvestigation of disputed data within 30 days. 
XXXXe ( b ) : Failure to maintain maximum possible accuracy in consumer file. 
XXXXi ( a ) ( 5 ) : Failure to delete information found to be unverifiable. 
XXXXb : Failure to demonstrate permissible purpose for some entries and inquiries. 
XXXX ( a ) ( 8 ) : Failure to respond to direct dispute with supporting documentation.

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 2025-05-08 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: GA

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX. I presume 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 2025-05-08 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in XXXX USC XXXXi ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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:
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 A Balance : {$35000.00} Account No XXXX XXXX XXXX Balance : {$1600.00} Account XXXX XXXX Balance : {$430.00} Account No XXXX XXXX Balance : {$0.00} Account No XXXX XXXX XXXX XXXX Balance : {$5600.00} Account No XXXX XXXX XXXX XXXX Balance : {$2300.00} Account No XXXX XXXX XXXX XXXX Balance : {$1000.00} Account No XXXX XXXX XXXX XXXX : {$7700.00} Account No XXXX XXXX XXXX XXXX Balance : {$21000.00} Account No XXXX XXXX XXXX Balance : {$10000.00} Account No XXXX XXXX XXXX Balance : {$940.00} Account No XXXX XXXX XXXX Balance : {$5100.00} Account No XXXX XXXX XXXX XXXX Balance : {$0.00} Account No XXXX XXXX Balance : {$0.00} Account No XXXX XXXX Balance : {$1300.00} Account No XXXX Inquiries : XXXX XXXX XXXX  Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX Date XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: NATIONAL FUNDING, INC.
State: MT

Complaint narrative:
I signed as a personal guarantor on a loan issued by National Funding XXXX XXXX XXXX XXXX XXXX XXXX. The business has since closed permanently, and I was never aXXXX XXXX XXXX XXXX decision-maker in the company. I XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX signed paperwork at the time of funding, but I was not involved in the businesss operations or finances. 

Since the business closed, Ive received communications from National Funding, but there has been no clear path to resolution. The individual who attempted to negotiate directly with National Funding was ignored, and Ive been left in the middle with no authority, no assets, and no way to resolve this debt. Ive received no formal settlement offer in writing. 

The ongoing communication has caused me significant stress. I do not have the financial capacity to pay the balance, and I was never the person managing the business or its obligations.

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 2025-05-08 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: Kriya Capital, LLC
State: NJ

Complaint narrative:
I have been customer of XXXX XXXX for XXXX XXXX XXXX and my account was on auto payment. During the pandemic time they started to charge me over my amount monthly without notification. It was XXXX. They charged {$46.00} and gradually went up to {$120.00}. 
On XXXX started charging {$120.00}. 
Unfortunately the period time they did not have customer service. I called them about extra charge and discontinued my auto pay and fix my monthly payment. 
They didnt took care of the issue and reported my Credit. 
My credit score were from XXXX to XXXX due to incorrect information provided. 

XX/XX/XXXX frustrated with my credit score and want to fix it. I have disputed twice but still XXXX has not resolved issue. 
Please consider my bank statements attachments to see how they changed me still looking for more money about {$130.00}. 
Im XXXX XXXX and low income due to which I cant hire credit adjusters to handle my case. Kindly review my complaint and advise.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-08 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:
I have not supplied proof under the doctrine of estoppel by silenceXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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