vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-10 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 2025-09-10 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am disputing an XXXX charge for a replacement scanner that I never received and did not authorize as a purchase. XXXX took my card only as a hold, not as consent to bill me. Please remove this charge immediately and issue provisional credit while you investigate pursuant to the Fair Credit Billing Act.

What happened I originally purchased my scanner for about {$400.00} ( receipt attached ).

After a 3-hour support call, XXXX failed to diagnose a simple feed issue I later resolved myself. 
XXXX captured my American Express card strictly as a hold to send a replacement. I cancelled once the issue was resolved. 
Despite my cancellation and XXXX confirmation that the charge would be refunded, my card was still billed ( charge ~ {$250.00} on or about XX/XX/XXXX ; statement page attached ). 
XXXX now claims the unit was delivered, but there is no delivery photo, no signature, and I did not receive any package. 
As a result, I have now paid roughly {$700.00} in connection with a single scanner, which is unreasonable and contrary to XXXX own representations. 

Why this qualifies for reversal Merchandise Not Received : No signed proof of delivery or photo ; I never took possession.

Misrepresentation/Unauthorized Billing : The card was supplied as a security hold, not permission to convert to a sale. 
Vendor Promised Refund : XXXX confirmed a refund would be issued ; it was not.

Consumer Burden : If XXXX believes it shipped the item, the correct path is for XXXX to file a lost-package claim with the carriernot to shift the loss onto me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-10 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: PR

Complaint narrative:
Experian has violated the FCRA 's requirements for handling my disputes in numerous ways. Specifically, the CFPB alleges that Experian is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, * Experian uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. * Experian routinely and uncritically accepts the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when * Experian has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, * Experian sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. * XXXX  conducted their Reinvestigation ( copies ) where sent to Experian showing the same account disputed where removed from my credit file. For being inaccurate, unverifiable, fraudulently reporting. TransUnion is not complying with the law and violates the Federal Credit Reporting Act ( FCRA ). They are not conducting a proper investigation. Same issue 8 letters sent all certified are not being processed properly, are resisting to remove nor change as required by the FCRA laws that is our rights are being infringed, by Transunion and Experian I also feel discriminated by their action as XXXX I have prove of all letter not being responded to me. Please take action thats why are being sued. Credit bureau are violating privacy act disclosures personal information data / furnishing data to other entities unknown, Not Authorized by law, as many Un Authorized INQUIRIES in my file this is serious violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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: COLLECTIONS UNLIMITED OF TEXAS INC
State: PR

Complaint narrative:
XXXX  has violated the FCRA 's requirements for handling my disputes in numerous ways. Specifically, the CFPB alleges that XXXX  is harming consumers by : Conducting sham investigations that fail to properly address consumer disputes : When handling disputes, * XXXX  uses faulty intake procedures and does not accurately convey all relevant information about disputes to the original furnisher. * XXXX  routinely and uncritically accepts the original furnisher 's response to the disputed information, even when that response was improbable or illogical on its face, or when * XXXX  has other information available that suggests the furnisher is unreliable. At the conclusion of the investigation, * XXXX  sends consumers notices that fail to inform them of the investigation results, and instead provides information that is confusing, ambiguous, incorrect, or internally inconsistent. * XXXX conducted their Reinvestigation ( copies ) where sent to XXXX  showing the same account disputed where removed from my credit file. For being inaccurate, unverifiable, fraudulently reporting. XXXX  is not complying with the law and violates the Federal Credit Reporting Act ( FCRA ). They are not conducting a proper investigation. Same issue XXXX letters sent all certified are not being processed properly, are resisting to remove nor change as required by the FCRA laws that is our rights are being infringed, by XXXX  and XXXX  I also feel discriminated by their action as XXXX I have prove of all letter not being responded to me. Please take action thats why are being sued. Credit bureau are violating privacy act disclosures personal information data / furnishing data to other entities unknown, Not Authorized by law, as many Un Authorized INQUIRIES in my file this is serious violation.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-10 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:
I just checked my credit report this morning and, to my frustration, the same inaccurate account is there. I even tried refreshing, thinking it might just be a glitch, but it wasnt. This situation is exhausting and unacceptableI need this fixed right away, and I want my documents carefully reviewed so this problem ends once and for all.

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 2025-09-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CAINE & WEINER, THIS lS A NOTICE TO CEASE AND DESIST THE PHONE CALLS AND LETTERS I HAVE BEEN RECEIVING FROM YOU. AS MY RIGHT UNDER THE FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ), 15 USC 1692C ( C ) TO BE EXACT, I AM FORMALLY REQUESTING THAT YOU CEASE AND DESIST ALL COMMUNICATION WITH ME AND MY FAMILY AND FRIENDS IMMEDIATELY.

CEASE AND DESIST ALL NEGATIVE CREDIT REPORTING.

ANY FURTHER CONTACT BY YOUR COMPANY OTHER THAN A LETTER : 1. STATING THAT YOU RECEIVED THIS LETTER ; OR 2. WHAT SPECIFIC ACTION YOU INTEND TO TAKE ; OR 3. TO ADVISE ME THAT YOUR EFFORTS ARE BEING TERMINATED ; OR 4. TO REPOND TO THE DEBT VALIDATION AND VERIFICATION LETTERS, WILL BE A VIOLATION OF MY RIGHTS ACCORDING TO THE FDCPA AND I WILL FILE A COMPLAINT WITH THE ATTORNEY GENERAL, FTC, OCC AND CFPB.

THANK YOU FOR YOUR PROMPT RESPONSE TO THIS REQUEST. 

SINCERELY : XXXX, XXXX NOTIFICATION IS COMPLETED UPON RECEIPT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: AR

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: TN

Complaint narrative:
I reached out to Transunion in regards to one of my accounts ( XXXX XXXX XXXX ) that one of those accounts have not been updated since XX/XX/year>. I then called Customer Service to report the issue in XXXX, and I spoke with a representative, who stated she will escalate it to her Supervisor, and she acknowledged it has not been reported since XXXX XXXX. It is still not updated. I then also filed a dispute to see if that would get someone to look at it and let it be updated, I waited, and received an email that it was complete and I would see the results- however, I never received any information on their findings. It is now XXXX, and this particular account with Transunion still has not been updated since XXXX. I noticed on my other credit reports that this particular account is accurate, however Transunion is the only bureau that has not updated it. In the meantime, I was paying down my credit cards so I can apply for a loan for a new car, so I needed my reports to be accurate this is my right by law. However, I had to go ahead and get the loan and couldn't wait, because I needed a car. This caused me to get a higher interest rate, than I could've have received if my report was accurate. This should be unacceptable. I did all of my due diligence, this clearly means someone did/ is not doing their job, when I submitted a results and nothing changed, nor did I receive a copy of their findings. I need XXXX XXXX or Transunion to be held reponsible

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 2025-09-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-10 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:
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 explanation
Consumer complaint received 2025-09-10 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 2025-09-10 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Consumer Portfolio Services, Inc.
State: AR

Complaint narrative:
I am filing this complaint regarding Consumer Portfolio Services. They contacted one of my former co-workers on XX/XX/year> at XXXX in an attempt to obtain personal information about me. I believe this is an inappropriate and unauthorized practice. Reaching out to my past workplace contacts for personal information violates my privacy and creates unnecessary embarrassment and harm to my reputation.

I am requesting that the CFPB investigate this matter and ensure that Consumer Portfolio Services ceases this type of behavior immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-10 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: VA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-09-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: KEYCORP
State: NY

Complaint narrative:
ON XX/XX/XXXX I attempted to pay my monthy charge. Account Is Closed. The next day sent a letter stating to company the issue. They did not respond and they did not remove late fee. 

Now on XX/XX/XXXX im trying to pay my bill and they are trying to send me to a third party site to pay it that they say they are not responsible for any issues. When I go to the site there is just keybank logo and the words SYSTEM FAILURE. 

I tried to call on their phone number to pay and more malfeasance. The system says they dont accept payments on closed accounts. So I have no way to pay my bill 2 months in a row. The company is not assisting in any form. I talked to a human and he said they are trouble shooting, they said no. THIS IS A BLATANT ATTEMPT TO TAKE MORE MONEY FROM ME. How can they get away with this!?!?!

Company response to consumer: Closed with explanation