vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/2025 InDebted XXXX XXXX XXXXXXXX XXXX, MO XXXX Email : XXXX RE : Formal Dispute of Alleged Debt & Request for Validation Consumer Reference : XXXX To Whom It May Concern : I am writing to formally dispute the validity of the alleged debts listed under my name and referenced in your email dated XX/XX/2025. I do not acknowledge these debts as valid and have no contractual obligation with your agency, InDebted.

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, I request that you immediately provide the following documentation : A copy of the original contract ( s ) or agreement ( s ) bearing my signature, showing that I have a legal obligation to pay the alleged debt ( s ). 
Proof of your legal authority to collect on the alleged debt ( s ), including documentation that the debts were legally transferred or assigned to you by the original creditor ( Zip ).

A detailed breakdown of the amount ( s ) claimed, including all interest, fees, or charges.

The accounts listed in your communication, including but not limited to BB63, EA66, 5418, FB39, 2523, EFD0, BEC5, 0E21, 954C, 0A5E, B44C, D15B, DD52, and 56DD, are hereby disputed in full.

Unless and until you provide the above documentation, you are required by law to : Cease all collection efforts, Cease reporting this information to any credit bureau, and Refrain from contacting me further regarding this matter, except to provide the requested validation. 
If you fail to comply with this request, you will be in violation of federal law, and I will file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California Attorney Generals Office. 

Please confirm receipt of this dispute letter in writing and send all future communications to the address listed above. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-09 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: MI

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-04-09 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: Westlake Services, LLC
State: TN

Complaint narrative:
I had no acknowledgment and I did not authorize my credit to be ran on the following dates with the following companies : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Amex gift card i have two {$100.00} and one {$50.00} and I am having so many issues using it keeps getting declined after registering and having a valid balance and being active

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: CITIBANK, N.A.
State: OH

Complaint narrative:
Date of Incident : XX/XX/year> Time of Incident : XXXX XXXX  ( timezone : XXXX XXXX XXXX ) Place of Incident : XXXX, XXXX Citibank Dispute Case ID : XXXX At the end of a Taxi ride, the driver showed me the amount as XXXX XXXX XXXX ( equal ~ {$9.00} ). He then proceeded to swipe my credit card on his machine. He gave me a hand written receipt for the same amount. This was suspicious so once I exited the taxi, I immediately checked my account for the transaction and saw a charge of {$1000.00} USD. 

I contacted citibank within 30 minutes of the incident and asked them to block the transaction. They said they can't do anything as it was still a 'pending charge ' and I should call back after it posts to the account. I filed a police report in XXXX, XXXX at XXXX XXXX same day. 

I've been working with Citibank 's billing dispute since XXXX and have provided them the receipt, police report and all the details multiple times. They keep closing and re-opening the case without any explanation and openly lie about not being able to read the documents I've send both electronically and physical mailed originals. They are clearly stalling and at this point it's clear they are not issuing a refund for the excessively charged amount {$1000.00} or have made any attempts to get the money from the merchant. A taxi merchant can't possibly charge {$1000.00} for a ride so this should've been an easy recovery process for Citibank. 

Hope the CFPB can help get a refund here.

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 2025-04-09 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: LEXISNEXIS
State: AL

Complaint narrative:
I'm filing a complaint with the CFPB against the creditor for violating the FCRA by continuing to report a fraudulent account on my credit report after I notified them of the identity theft, despite my efforts to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX {$2600.00XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$440.00} XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX C XXXX - XXXX - XX/XX/XXXX - {$150.00} XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$2600.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2500.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1800.00} XXXX XXXX XXXX - XX/XX/XXXX - {$1700.00} XXXX XXXX  XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-04-09 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: IN

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> TransUnion/Equifax/Experian Subject : Request to Update and Remove Incorrect Personal Information Dear TransUnion/Equifax/Experian I am writing to formally request the correction and removal of inaccurate personal identification information currently listed on my credit report. I ask that my file be updated to reflect only the accurate and current details below, and that all outdated or incorrect personal data be removed promptly. 

Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Please remove all other name variations ) Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please remove all other addresses ) Phone Number : ( XXXX ) XXXX ( Please remove all other numbers ) Email Address : XXXX ( Please remove all other emails ) Employer : XXXX XXXX XXXX XXXX ( Please remove all other employment history ) Please Remove the Following : Any name variations or aliases not matching my legal name All outdated or incorrect previous addresses Any phone numbers not listed above Any email addresses not listed above Any employers that are no longer current or accurate and not listed above Enclosed are the following documents for verification purposes : A copy of my valid Passport A recent utility bill and/or lease agreement verifying my current address In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that these updates be processed promptly. 

Please send a written response confirming the outcome of this dispute, including a summary of the updates and removals made to my file. 

Thank you for your attention to this matter. If you need additional information, feel free to contact me at the phone number or email provided above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX ) XXXX Date : XX/XX/year> TransUnion/Equifax/Experian Subject : Request to Update and Remove Incorrect Personal Information Dear TransUnion/Equifax/Experian I am writing to formally request the correction and removal of inaccurate personal identification information currently listed on my credit report. I ask that my file be updated to reflect only the accurate and current details below, and that all outdated or incorrect personal data be removed promptly. 

Correct Personal Information : Full Legal Name : XXXX XXXX XXXX ( Please remove all other name variations ) Current Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Please remove all other addresses ) Phone Number : ( XXXX ) XXXX ( Please remove all other numbers ) Email Address : XXXX ( Please remove all other emails ) Employer : XXXX XXXX XXXX XXXX ( Please remove all other employment history ) Please Remove the Following : Any name variations or aliases not matching my legal name All outdated or incorrect previous addresses Any phone numbers not listed above Any email addresses not listed above Any employers that are no longer current or accurate and not listed above Enclosed are the following documents for verification purposes : A copy of my valid Passport A recent utility bill and/or lease agreement verifying my current address In accordance with the Fair Credit Reporting Act ( FCRA ), I respectfully request that these updates be processed promptly. 

Please send a written response confirming the outcome of this dispute, including a summary of the updates and removals made to my file. 

Thank you for your attention to this matter. If you need additional information, feel free to contact me at the phone number or email provided above. 

Sincerely, 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 2025-04-09 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under XXXX XXXX. XXXX when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX As required by XXXX U.S.C XXXX, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i XXXX request an extension of the block. During the block, you XXXX not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
They were supposed to refund our escrow for {$2300.00}. First time they sent a check was to the wrong address, we did get a confirmation email for this. No confirmation email since, now every time we call were told something different. This last time were told a new check wont be sent out until XX/XX/XXXX. They need to refund the escrow, we closed on the XXXX of 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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: RGS Financial, Inc.
State: NY

Complaint narrative:
This business RGS Financial has been spoofing NY numbers now calling me nonstop. They are in TX. Why are they spoofing numbers? I had let the company they are harassing me on behalf of know that three things happened. 1 - I lost my job. 2 - I have been diagnosed with XXXX ( XXXX XXXX ), 3 - my XXXX XXXX and needed XXXX to repair ( that was caused by the XXXX ) hence I am not able to work and why I lost my job. This business RGS of whom I have not given permission to use my number now has texted me while I was getting XXXX XXXX, and has called numerous times while I have been at XXXX XXXX  after XXXX XXXX. All of this I can prove that I am XXXX and undergoing XXXX XXXX  along with XXXX Not only that I am also a XXXX At what point did I give this company permission to spam my phone number? A cell phone number at that! Never! You are spoofing NY numbers which is illegal. They don't leave voicemails, just call non stop and send texts which again my provider saw when I was getting my XXXX XXXX  as I had phone on stand next to where I was seated. Embarrassed the XXXX out of me and adding XXXX to already overloaded XXXX in my life. I put a reverse tracer on the numbers and it points back to you. You want to contact me you email me as I do everything in writing. At no point did I give you permission to harass me or any other number you have tried. How these businesses are allowed to conduct themselves like this is mind blowing. I can also show the non-stop harassing voicemails left by the client they are representing too after I had explained situation. Called everyday. Apparently they don't care about my situation and figure will harass people no matter what. They also tried to claim never called me or texted. Well I can prove that too. I'll attach the text I took a screen shot of as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I sent XXXX letters in disputed asking for more information and I dont get any responses Date XX/XX/XXXX XXXX of XXXX And the amount is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, so I require you to send me all the documentation to prove that this information is accurate. I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I went to check my credit report and noticed there were some inquiries that were listed that are not mine.

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 2025-04-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hard inquiries are hurting my credit, please delete

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 2025-04-09 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
Hard inquiries are hurting my credit, please delete

Company response to consumer: Closed with explanation