vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-27 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX  XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. 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! 

All of the aforementioned accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint FTC Report Number : XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and XXXX  inquiries are the result of identity theft and fraud. I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be no 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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This account was charged off. Asked for XXXX and they said i wasnt entitled to XXXX.. 
However : Documentation and XXXX Request under FCRA XXXX ( b ) Please provide copies, confirmation, or evidence of the following items to verify the accuracy and legality of the reported account : XXXX. Signed contract. 
XXXX. Full payment and charge-off history. 
XXXX. XXXX copy or confirmation. 
XXXX. Cancellation date and IRS reason code. 
XXXX. Method of verification with supporting documentation. 
XXXX. Proof of XXXX XXXX compliance. 
XXXX. XXXX XXXX of all tradeline updates. 
XXXX. Furnishers name and license. 
XXXX. Proof of authority to report. 
XXXX. Proof the account was not re-aged. 
XXXX. Assignment and/or ownership documents. 
XXXX. If securitized : trust name, pooling and servicing agreement ( XXXX ), chain of title, and XXXX filing. 
XXXX. IRS notices ( if any ). 
XXXX. Cease and desist all reporting and collection activity until verified. 
XXXX. Delete the account if it can not be fully validated. 

They arent allowed to not send me the correct information and 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 2025-08-27 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: NJ

Complaint narrative:
You have failed to meet your obligations under the FCRA to provide verifiable documentation proving the accuracy of the reported accounts. Under FCRA XXXX ( b ), credit bureaus must maintain maximum possible accuracy, and under FCRA XXXX ( b ), furnishers must investigate disputed information. Failure to do so violates federal consumer protection laws, and I am prepared to escalate this matter further if not resolved promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am submitting this complaint as a follow-up because my credit report is still showing outdated and inaccurate personal information, even after I previously asked for it to be corrected. 

The following inaccurate employers continue to appear on my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX These employers are no longer valid or current. Under the Fair Credit Reporting Act, only accurate and verifiable information should be reported.

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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this complaint because there is inaccurate, incomplete, and unverified information being reported on my credit profile. Despite prior written disputes sent to the credit reporting agencies, the accounts in question continue to be reported without proper validation. 

I request that the Consumer Financial Protection Bureau investigate this matter, require the furnishers to provide complete documentation to substantiate the reporting, and ensure that any inaccurate or unverified information is corrected or removed in compliance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I opened an American Express XXXX XXXX card - it was suggested for me when I signed on to the AMEX XXXX. I was aware of the {$550.00} Annual Fee however, I received my XXXX statement ( it XXXX have been my XXXX statement ) and I was charged {$550.00} for an annual fee after only having the card approx XXXX. 

The representative ( XXXX ) i spoke to today ( XXXX ) said that it should have been mentioned in my account opening documents unless it was a promotion to waive the fee ( she said quickly that my account didnt have that promotion ) I told her I havent opened a Credit Card in a while - but I had never heard of a fee being charged upfront and that I would report it. She said ok.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX  - Account Number : XXXX, Date Opened : XX/XX/year>, Balance : {$11000.00} These accounts have resulted in several fraudulent XXXX inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the XXXX  inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and XXXX  inquiries as reported. The aforementioned accounts, collections and XXXX  inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and XXXX  inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and XXXX  inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-27 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: IL

Complaint narrative:
I don't agree with the previous investigation and these accounts need to be reinvestigated. In accordance with the Fair credit Reporting Act, the following accounts listed in the Attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through anya affiliate, disclose to a non affiliated third party any nonpublic personal information.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ( 5a ) ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: IL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX ) requiring a proper reinvestigation of disputed items, and XXXX ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I XXXX pursue legal action under the FCRA and FDCPA ( XXXX XXXX Code XXXX ) for deceptive and misleading reporting.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-27 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: LA

Complaint narrative:
I recently review my credit report and found the following items that need 100 % verification, accurateness, and timely as per the Fair Credit Reporting Act ( FCRA ) XXXX ( b ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to XXXX XXXX XXXX ( b ) and XXXX XXXX XXXX, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-08-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/year>, at approximately XXXX XXXX XXXX XXXX, I called Credit Collection Services regarding a collection account for unpaid auto insurance. I asked whether they offered a pay-for-delete option. 

The first representative stated that it was illegal to delete a collection account from a credit report even after payment. When I questioned this, I was transferred to a XXXX who was extremely rude and dismissive. Every time I asked about pay-for-delete, he interrupted and said, XXXX not going to tell you how to fix your credit. 

I repeatedly asked for clarification or documentation of their reporting policy. Instead of answering directly, the XXXX said : After you pay, call back in a couple of days and well tell you how we report it. without providing any real answers or transparency. 

This was misleading, and in my opinion, dishonest. There is no law prohibiting debt XXXX from removing accounts from credit reports it is a voluntary practice many XXXX do. Their claim that its illegal is false and deceptive, and violates XXXX XXXX Code XXXX of the Fair Debt Collection Practices Act ( FDCPA ), which prohibits false or misleading representations during debt collection. 

I believe I was intentionally misled and treated unprofessionally, and XXXX reporting this because other consumers could be discouraged from resolving debts if this conduct continues.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 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: FL

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section XXXX [ XXXX XXXX. XXXX ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required XXXX business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section XXXX [ XXXX XXXX XXXXXXXX ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal 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 2025-08-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX AND XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX XXXX XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX - XXXX AND XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under XXXX XXXX XXXX - XXXX of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: WLCC
State: CO

Complaint narrative:
I took out what I thought was a simple {$200.00} emergency loan from WLCC Lending BGL ( Bison Green Lending ) and ended up trapped in a 496 % XXXX predatory lending scheme. This tribal lender charged me nearly triple what I borrowed ( {$580.00} total ) by claiming their tribal sovereignty exempts them from Colorado 's 36 % interest rate cap. When I filed a complaint with the Colorado Attorney General, they said they couldn't take action against tribal lenders but directed me to the Consumer Financial Protection Bureau ( CFPB ). These loans are illegal in Colorado regardless of tribal claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
Perfect heres a combined Debt Validation + Cease and Desist letter. This version demands proof of the debt and restricts the collectors ability to contact you ( only in writing, no calls ). 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/year> Portfolio Recovery XXXX XXXX XXXX XXXX, VA XXXX Re : Request for Debt Validation & Cease and Desist of Harassment Account/Reference Number : unknown To Whom It May Concern, I am writing in response to your phone call dated XX/XX/year> regarding the alleged debt referenced above. This letter is a formal request for validation of the debt, as provided for under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Please provide : 1. The amount of the alleged debt.

2. The name and address of the original creditor.

3. A copy of any signed agreement or contract showing that I am legally obligated to pay this debt.

4. Proof that your agency is licensed to collect debts in my state and has the legal right to collect on this account.

5. A full accounting of how the alleged amount was calculated, including interest, fees, and other charges.

Until you provide all of the above, the debt remains disputed and you must cease all collection activity, including reporting to any credit reporting agencies. If you have already reported this debt, you must remove it until proper validation is provided.

Additionally, under 15 U.S.C. 1692c ( c ), I demand that you cease and desist from all communication with me regarding this matter, except in writing and only to provide the requested validation or to notify me of specific legal actions you may intend to take. Telephone calls, repeated letters, or any form of harassment will not be tolerated.

Please consider this letter my final notice. Failure to comply with these requests will result in me filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

I expect your response within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief