vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macys is inaccurately reporting my account after issuing a 1099-C in XXXX. Once a creditor issues a 1099-C, the debt is considered cancelled/discharged for tax purposes and must be reported with a {$0.00} balance under XXXX XXXX guidelines. However, Macys is still

reporting a remaining balance and updating derogatory remarks monthly as though the debt is still owed. This is unlawful re-aging and false credit reporting. I am being penalized every month for a debt that Macys has already cancelled and transferred to the IRS as income. They can not treat the debt as both : cancelled for tax purposes AND still collectible/derogatory on my credit. That is double-penalizing the consumer. Macys is violating : 15 U.S.C. 1681s-2 ( a ) : duty to furnish accurate
and complete information XXXX XXXX reporting guidance governing cancelled/debt forgiven tradelines FCRA 623 by continuing to report a past-due balance on a cancelled obligation I am requesting correction to accurately reflect {$0.00} balance and cancelled/discharged, removal of all post-1099 negative monthly updates, and correction to the reporting date to stop improper re-aging. I also request investigation notes confirming the 1099-C issuance date and that the reporting has been updated in full.

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
To Whom It May Concern : I am writing to request validation and verification of the debt referenced above under my rights under the Fair Debt Collection Practices Act ( FDCPA ). I do not acknowledge owing this debt and I am disputing the validity of this debt. Please provide the following written verification and documentation so I can review your claim : 1. A copy of the original contract, signed by me ( or other documents ) that show I am responsible for this debt.

2. A complete payment history / itemization showing how the amount you claim was calculated ( principal, interest, fees, and any credits ).

3. The name and address of the original creditor and the date the debt was first owed and the date of last activity or last payment.

4. Proof that you are licensed to collect debts in my state ( if applicable ) and documentation that you are authorized to collect this debt ( assignment/chain of title showing transfers ).

5. Copies of any judgment ( if you assert one exists ) and the amount claimed in that judgment.

6. The name and address of the current creditor ( if different ), and proof that you have the legal right to collect on this account.

While you are verifying this debt, please cease all collection activities and any reporting of this account to the credit reporting agencies until you have provided the requested verification. If you can not provide complete written verification, you must cease collection activity and delete any adverse credit reporting related to this account.

Please send all correspondence to my address above. I am keeping careful records of all communications regarding this matter. 

Sincerely, 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 2025-10-25 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: Collection Management Holdings, LLC
State: GA

Complaint narrative:
I am writing to dispute an unauthorized credit inquiry from your company that appears on my credit report. I recently reviewed my credit file and discovered an inquiry from Credit Management Company dated XX/XX/year>, which I do not recognize and did not authorize. 

I have never applied for credit, services, or any other transaction that would permit your company to access my credit report. Therefore, this inquiry constitutes an unauthorized and unlawful access to my personal credit information under the Fair Credit Reporting Act ( FCRA ) 604 ( a ), which strictly prohibits credit inquiries without the consumers explicit consent or a permissible purpose.

I am formally requesting the following actions : 1. Immediate deletion of the unauthorized inquiry from all credit bureaus where it appears.

2. Written confirmation that the inquiry has been removed, or a copy of documentation proving that I authorized this credit inquiry. 
3. Notification to all major credit reporting agencies ( XXXX XXXX XXXX XXXX  ) that this inquiry was made in error or without my consent. 

Enclosed are copies of my identification for verification purposes : A copy of my drivers license ( or state ID ) A recent utility bill or other proof of address Please consider this letter a formal complaint and dispute under the Fair Credit Reporting Act. I expect written confirmation of your findings and actions within 30 days, as required by law. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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:
It is extremely upsetting to see that inaccurate late payments continue to show up on our credit reports today. Refreshing the browser did nothing to remove them. I urgently request that the documents I sent are reviewed properly so I no longer have to stress about this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-25 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: CA

Complaint narrative:
I am filing this complaint against Experian for knowingly reporting false and inaccurate information regarding my XXXX XXXX XXXX XXXX account ending in XXXX, which is currently under active arbitration before the XXXX XXXX XXXX ( XXXX ). 

Despite being notified in writing that the XXXX XXXX account is under legal review and dispute, Experian continues to publish and furnish a 30-day late payment entry for this account.

This is a willful violation of multiple provisions under the Fair Credit Reporting Act ( FCRA ).

I sent Experian a formal legal demand on XX/XX/year>, via certified mail, requiring the immediate removal, blocking, and suppression of the XXXX XXXX late payment. 
The letter included my Notice of Election of Arbitration, XXXX Demand for Arbitration, and Statement of Claims, confirming that the dispute is active and legally protected.

As of today, Experian has failed to remove or suppress the account, and continues to display it in my consumer credit filecausing me ongoing harm, including credit denials, increased interest rates, and emotional distress.

Violations Experians actions violate the following sections of the Fair Credit Reporting Act ( FCRA ) : 15 U.S.C. 1681e ( b ) Failure to maintain maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a lawful and reasonable reinvestigation.

15 U.S.C. 1681c-2 ( a ) ( 1 ) - ( 3 ) Failure to block or suppress disputed information upon notice.

15 U.S.C. 1681n & 1681o Willful and negligent noncompliance with FCRA obligations.

By continuing to report data that is under arbitration and legal dispute, Experian has intentionally disregarded its duty to maintain accuracy and has caused substantial consumer harm.

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 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Self Financial Inc.
State: TX

Complaint narrative:
XXXX  Account number XXXX Account type Secured Loan Responsibility Individual Date opened XX/XX/2023 Status The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
There was a purchase on my credit card for {$5600.00} on XXXX XXXX in XXXX XXXX  at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I drive a bus in XXXX i was at work that day I used my card at XXXX XXXX store on XXXX XXXX in XXXX the employee assist i use my chip i i alwas use tap .and when I got off work around XXXX something at a XXXX  XXXX XXXX. I called the credit card and put 3 or 4 fraud complaints in but they did not investigate nothing they said the chip was used. I ask them to get the video the receipt to compare my signature the time of purchase to see i did not buy anything from that store. I went to the XXXX XXXXXXXX XXXX XXXX store to request a receipt they would not help me they said call payroll and gave me a fake cooperate number .only me and my daughter have this credit card she lives in maryland she use the card the same day in maryland and I used the card in Brooklyn where I live .I gave the bank my work schedule what time I report to work and got off. They not trying to help me at all i been a customer for XXXX with them and never had this problem on my card.

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 monetary relief
Consumer complaint received 2025-10-25 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:
It is very upsetting to see that inaccurate late payments are still listed on my credit reports today, and I can not understand the reason. Refreshing my browser did nothing to remove them. I am asking that all the documents I provided be fully checked immediately so I can finally stop stressing over this.

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 2025-10-25 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

STATE OF MI XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX STATE OF MI XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also 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 seven 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.

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 2025-10-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Harassing phone calls at work and on my personal phone using scare tactics. 

Person showing up to my home a scaring my XXXX XXXX XXXX mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
VIA CERTIFIED MAIL TO : Date : XX/XX/year> Lvnv funding Llc XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX FROM : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Re : Acct # XXXX To Whom It May Concern : I am sending this letter to you in response to a notice I received from you on Be advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Please provide me with the following : What the money you say l owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say l owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 
If your offices have reported invalid information to any of the three major Credit Bureaus XXXX XXXX, XXXX  or XXXX  ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character Best. Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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 did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDELENT ACCOUNTS : XXXX XXXX XXXX  XXXX XXXX XXXX -Date Opened XX/XX/XXXX -Balance {$6700.00} XXXX  # XXXX -Date Opened XX/XX/XXXX -Balance {$5100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
Complaint Summary : I am filing a complaint against TransUnion for failing to properly investigate my credit report disputes. I sent multiple dispute letters to TransUnion about inaccurate and unverifiable information on my credit report. Instead of investigating, TransUnion sent me a stall letter claiming my disputes would not be processed. All of my letters were written and signed by me personally, with full identifying information included. 

On XX/XX/XXXX, I mailed four dispute letters directly to TransUnion at their XXXX, PA address. In those letters, I challenged several inaccurate or unverifiable accounts, including : XXXX XXXX XXXX reported incorrectly as a collection for {$2000.00} XXXX XXXX XXXX two different accounts with incorrect balances of {$800.00} and {$380.00} XXXX XXXX XXXXXXXX reported as a collection for {$160.00} with wrong activity dates XXXX XXXX listed as Paid Profit and Loss with a {$0.00} balance XXXX XXXX XXXX XXXX XXXX  listed incorrectly as Profit and Loss Writeoff XXXX XXXX XXXX XXXX listed as Collection/ChargeOff even though no balance is owed Bankruptcy public record ( Ref # XXXX ) unverifiable entry from XXXX blocking my loan approval Each letter cited FCRA laws and requested verification or deletion of inaccurate data. I also asked for a written response confirming receipt within 14 business days.

Instead of investigating, TransUnion sent a form letter claiming they would not process my disputes. This response is false and improper because I personally wrote and mailed all my dispute letters. 

My Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DOB : 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 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I applied for the American Express Delta SkyMiles XXXX Credit Card after seeing it advertised with a XXXX welcome bonus for new cardholders who met the spending requirements. 
When I submitted my application, American Express stated that I had been notified via a pop-up notice that I would not be eligible for the welcome offer. This surprised me because I had never received that specific XXXX XXXX bonus before and met all published eligibility criteria. Furthermore, I did not actually see or receive any pop-up notice during the application process. 
After I called American Express to clarify, a supervisor confirmed that this was a computer or system error and assured me that the XXXX offer would still be honored. 
Several months later, after numerous calls and follow-ups, an American Express XXXX XXXX XXXX XXXX me that the supervisor had been incorrect and that I would not receive the XXXX miles. 
The conflicting information and false assurance from a supervisor caused me to make financial decisions based on the understanding that I would receive the promised bonus. I believe this constitutes deceptive and misleading advertising and communication under the Truth in Lending Act and CFPB credit card marketing regulations. 

Date of application : XX/XX/year> Card product : American Express Delta SkyMiles XXXX Card Offer advertised : XXXX bonus miles after [ spending requirement ] ________________________________________

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I sent a dispute to all three credit bureaus regarding transactions that it was illegal for me to make while incarcerated ( e.g. credit card purchases ). Initially Bank of America was removed but reinserted months later after my credit score began to show significant increase. All follow up reports were answered with a show of demonic rebellion against removing improper information from my credit file. In essence, putting me in a position where I cant get back on my feet after prison. My recent dispute of XXXX XXXX was met with the same demonic rebellion because this calculated and demonic system is hellbent on keeping in a disadvantaged position when Ive shown to the bureaus multiple times that I was imprisoned when the delinquent charges on these accounts were made.

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 2025-10-25 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: FL

Complaint narrative:
I sent a dispute to all three credit bureaus regarding transactions that it was illegal for me to make while XXXX  ( e.g. credit card purchases ). Initially XXXX XXXX XXXX was removed but reinserted months later after my credit score began to show significant increase. All follow up reports were answered with a show of demonic rebellion against removing improper information from my credit file. In essence, putting me in a position where I cant get back on my feet after prison. My recent dispute of XXXX XXXX was met with the same XXXX XXXX because this calculated and XXXX XXXX is XXXX  on keeping in a disadvantaged position when Ive shown to the bureaus multiple times that I was imprisoned when the delinquent charges on these accounts were made.

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 2025-10-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
In compliance to 15 U.S. Code 1692e ( 6 ) Debt XXXX are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I did not authorize a payment made on XX/XX/year> for {$110.00} and I made an appeal but was denied. I would like my money back since I didn't authorize it at all.

Company response to consumer: Closed with explanation