vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
Debt amount for {$710.00} from IC System inc from 2012, I request validity and accuracy of a collection or charged-off account appearing on my credit file and/or being pursued for collection. I request that your office provide proper validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and take the necessary steps to correct or delete any inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and 1681s

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX Date : XX/XX/XXXX Re : Dispute of Inaccurate Credit Information Dear Consumer Financial Protection Bureau I am writing to dispute inaccurate information in my credit report. My report includes a late payments on reported on XXXX  in the following accounts : Creditor : [ Amex ] American Express Account Number : XXXX Date of Alleged Late Payment : [ XXXX and XXXX, XXXX ] Account Number : XXXX Date of Alleged Late Payment : [ XXXX, XXXX ] I made those payment on time, however the payments arrived late without my acknowledge. I respectfully request that this inaccurate information be investigated and corrected in my credit report. Also there are discrepancy in the three credit bureau Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Ph : XXXX Date : XX/XX/XXXX Re : Dispute of Inaccurate Credit Information Dear Consumer Financial Protection Bureau I am writing to dispute inaccurate information in my credit report. My report includes a late payments on reported on XXXX in the following accounts : Creditor : [ Amex ] American Express Account Number : XXXX Date of Alleged Late Payment : [ XXXX and XXXX, XXXX ] Account Number : XXXX Date of Alleged Late Payment : [ XXXX, XXXX ] I made those payment on time, however the payments arrived late without my acknowledge. I respectfully request that this inaccurate information be investigated and corrected in my credit report. Also there are discrepancy in the three credit bureau Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: OH

Complaint narrative:
I've worked hard to build my credit so, take this seriously. I found some big mistakes that are really hurting my score and these inaccuracies have been stressing me out and its affecting everything, from loan options to higher interest rates, to my ability to secure new credit. I need you to make sure all of my information is 100 % correct. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. I'm getting really upset and I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-07-07 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:
I am submitting this complaint regarding an account being reported on my credit report under the name XXXX XXXX, account number XXXX. I do not recognize this account and I am certain it does not belong to me. 

I have already submitted dispute letters to the three credit reporting agencies, as well as to XXXX XXXX  directly. Despite my efforts, I have not received any response or proper validation of this debt. 

This account is negatively impacting my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) if it can not be verified or substantiated. 
I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) stating that these accounts are not mine. 
To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial 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 2025-07-07 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:
I am submitting this complaint regarding an account being reported on my credit report under the name XXXX XXXX, account number XXXX. I do not recognize this account and I am certain it does not belong to me. 

I have already submitted dispute letters to the three credit reporting agencies, as well as to XXXX XXXX directly. Despite my efforts, I have not received any response or proper validation of this debt. 

This account is negatively impacting my credit profile and violates my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) if it can not be verified or substantiated. 
I have made multiple efforts to resolve this matter:1. I sent dispute letters to all three major credit bureaus ( Equifax, Experian, and TransUnion ) stating that these accounts are not mine. 
To date, I have not received any response from the companies involved, and the inaccurate information remains on my credit reports. This is negatively impacting my credit score and causing unjust financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: CA

Complaint narrative:
I am writing once again to follow up on my previous disputes regarding the inaccuracies in my personal information appearing on my credit report. My initial dispute letter was sent on XX/XX/XXXX, and I have yet to receive confirmation that my concerns have been addressed or that any corrective action has been taken. Additionally, I sent a follow-up letter on XX/XX/XXXX, but I still have not received a response. To reiterate, my correct and up-to-date personal information is : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX  XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX In my initial dispute, I provided supporting documentation, including a copy of my government-issued ID, a utility bill, and my Social Security card , to validate my identity and substantiate my claim. However, the inaccurate addresses remain on my credit report, which is unacceptable. 

Under the Fair Credit Reporting Act ( FCRA ), you are legally required to investigate disputes and correct any inaccurate information within the mandated timeframe. Your continued failure to address this matter not only violates my rights but also raises concerns regarding compliance with federal law. 

I am formally requesting the following actions : Immediate removal of the erroneous addresses from my credit report. 
An updated credit report reflecting the corrected information. 
Written confirmation of the actions taken to resolve this dispute. 

If I do not receive a satisfactory response within 10 days of receipt of this letter, I will have no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) and consider further legal action. 

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 non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK

Complaint narrative:
I am filing a formal complaint against USAA Federal Savings Bank regarding their mishandling of a billing dispute involving a contractor I hired who performed substandard and unauthorized work.

I paid the contractor a partial upfront payment of {$1200.00} via my USAA debit card. The contractor misrepresented himself as licensed and insured, which I later discovered was false. After expressing concerns about the quality of work and misrepresentation, the contractor abandoned the job. I submitted a dispute to USAA with extensive supporting documentation, including the contract, photos of the poor workmanship, proof of misrepresentation, and confirmation from the Oklahoma Construction Industries Board that the contractor was cited for unlicensed electrical work.

Despite this, USAA reversed the temporary credit they had issued, claiming the contractor refused to refund meimplying that the merchants willingness to cooperate dictated the dispute outcome. This reasoning contradicts consumer protection standards. A merchants refusal to issue a refund should not determine the validity of a dispute when fraud, misrepresentation, and defective services are documented. 

USAA failed to consider the documented evidence showing I was misled and did not receive the services I paid for. They are failing in their duty to protect consumers and to conduct a thorough and fair dispute resolution investigation, especially when federal law ( Regulation E ) requires them to resolve disputes based on evidence and not just a merchants denial. 

I am requesting the CFPBs assistance in reviewing this matter and ensuring that USAA honors its legal obligations under federal consumer protection 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 2025-07-07 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: KEYCORP
State: NY

Complaint narrative:
DATE : XXXX SUBJECT : XXXX_Order_Dispute_ ( XXXX ) MESSAGE : With respect to KeyBank 's physical response letter to me dated XXXX, XXXX states, " '' ... we are unable to confirm your identification credentials to the card account, and therefore are unable to determine the transactions disputed were unauthorized as claimed ... '' : 1 ) please fully elaborate what you mean by, " ... we are unable to confirm your identification credentials to the card account ... '', 2 ) I categorically deny EVER stating ANY transaction WERE UNAUTHORIZED AS CLAIMED, therefore, either 2a ) immediately update your statement, or 2b ) provide for me unequivocal evidence to the contrary. Answer MY questions ; stop making false assertions and stop answering your own questions. Any insufficient responses will be ignored. No phone calls and no texts. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I requested the refund I was owed for the overcharge from the company, the company is only providing copies of the charge being made, not even providing details, and American Express is not aiding any further. 
When processing the payment information for the trip on XX/XX/XXXX from XXXX to XXXX through XXXX, a XXXX XXXX discount was supposed to be applied. This is a discount XXXX and below travelers can benefit from while using trains within XXXX. Just in XXXX, while going through my statements, I tried to sort the incorrect charge with the merchant. So far I only received credit for a XXXX charge which also occurred in XX/XX/XXXX. Both tickets were purchased under the same portal and this is the only one I did not have luck getting further responses back as all their customer service is in XXXX. 
I am hereby requesting the respective refund as I was entitled the use of the XXXX XXXX ( date of birth XXXX XXXX XXXX ). 
The merchants response has only been copies of what they charged me in XXXX. 
They have not even responded to the specific XXXX adjustment I have submitted. They only responded with copies of the receipts. Attached are copies of the price during the day of the purchase in addition to the discount that should have been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: Sequium Asset Solutions, LLC
State: MS

Complaint narrative:
This account does not belong to me. 

{$9800.00} CREDITOR INFO SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX TO WHOM IT MAY CONCERN Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S Code 1681b in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
Subject : Notice of Debt Collection Violation Dear [ Debt Collectors Name or To Whom It May Concern ], I am writing to formally notify you that your agency has violated my rights under the [ Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. ] in connection with the collection of an alleged debt. 

Specifically, you [ describe the violation e.g., called before XXXX XXXX, threatened legal action without intent, contacted a third party without permission, failed to validate the debt upon request, etc. ]. These actions are in direct violation of the FDCPA, which prohibits debt collectors from engaging in abusive, deceptive, or unfair practices.

I hereby request that you immediately cease all collection activities related to this alleged debt, and provide the following : 1. Written validation of the debt, as required under 1692g of the FDCPA.

2. A written explanation of why your agency violated my rights.

3. Confirmation that further violations will cease immediately.

Please be advised that I am documenting all communications and may take legal action if these violations persist, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

This letter serves as formal notice to cease and desist from any further unlawful behavior. If you believe this communication is in error, you must provide proof of the alleged debt and your right to collect it. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
After numerous attempts to fix errors on my credit reports, Experian, Equifax, and TransUnion have failed to properly investigate and validate errors. This is direct violation of 15 USC 1681i.

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 2025-07-07 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: NC

Complaint narrative:
After numerous attempts to fix errors on my credit reports, Experian, Equifax, and TransUnion have failed to properly investigate and validate errors. This is direct violation of 15 USC 1681i.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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:
My credit report should only reflect accurate information, which is why its important to verify the accuracy of this data rather than relying solely on what the data furnisher has provided. Its frustrating to see my credit get negatively affected by inaccuracies that arent my fault. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized or benefited from. This situation is unfair and I need you to address this as soon as possible to prevent further damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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: FL

Complaint narrative:
I am disputing a collection account reported by XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXX XXXX ). This account is reporting beyond the legal 7-year limit under the Fair Credit Reporting Act ( FCRA Section 605 ).

The original debt was charged off more than 7 years ago, yet it continues to be reported on my Equifax credit file.

I have attempted to dispute this with the credit reporting agency, but it was verified without providing documentation of the actual Date of First Delinquency ( DOFD ). 

I am requesting that this account be permanently removed from my credit report in accordance with FCRA rules.

Company response to consumer: Closed with non-monetary relief