vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: IL

Complaint narrative:
The credit bureau is reporting inaccurate and unverifiable accounts, inquiries and personal information violation of 15 U.S.C. 1681e ( b ) ( failure to maintain maximum possible accuracy ).

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 2025-11-03 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-11-03 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: GA

Complaint narrative:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I hold a Amex XXXX XXXX XXXX card, which is supposed to give me XXXX XXXX XXXX for XXXX hotel stay spendings. I had the following XXXX XXXX hotels stay spendings : XXXX. XXXX XXXX on XX/XX/XXXX, spending {$34.00}, got XXXX points, missing XXXX points ; XXXX. XXXX XXXX on XX/XX/XXXX, XXXX, XXXX, spending {$6800.00}, got XXXX points, missing XXXX points ; For the above XXXX spendings, I was only given XXXX points. I contacted Amex on XX/XX/XXXX, and the customer service asked me to create an investigation case # XXXX and upload all card receipts and hotel guest folios for Amex to XXXX. On XX/XX/XXXX, I made a follow-up inquiry, Amex told XXXX to wait for XXXX more days. On XX/XX/XXXX, I made a XXXX follow-up inquiry, Amex told XXXX to wait till the end of XXXX. Finally, on XX/XX/XXXX, I made the XXXX inquiry on the status. Amex told me they had already given me XXXX more points on XX/XX/XXXX, and the case was resolved. I was outrageous, and asked Amex about the XXXX spending of {$6800.00}. They told me the case was all about {$34.00}, and they have no record of whatsoever {$6800.00} I think Amex was behaving fraudulently, and try to trick me out of my missing points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: GA

Complaint narrative:
I am disputing the following accounts and inquiries on my Experian credit report. Please review and correct the following : CHARGED OFF XXXX XXXX Account # : XXXX, Date : XX/XX/XXXX, Balance : {$20000.00} XXXX, Account # : XXXX, Date : XX/XX/XXXX, Balance : {$5200.00} LATE PAYMENTS XXXX, Account # : XXXXXXXX XXXX XXXX XXXX, Account # : XXXX XXXX Account # : XXXX XXXX, Account # : XXXXXXXX XXXX XXXXXXXX XXXX, Account # : XXXXXXXX XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX, Account # : XXXX XXXX, Account # : 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 2025-11-03 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
Fraudulent charges to Target XXXX XXXX : XXXX Waggers XXXX {$11.00} XX/XX/scrub>XXXX XXXX XXXX XXXX {$78.00} Case # XXXX Disputed charges immediately by phone. Completed and returned provided Fraud Questionnaire ( attached ) via USPS XX/XX/year>. 

Target Card Services refused to issue a temporary credit pending investigation. On XX/XX/year> I was able to get them to suspend payment and minimum balance for the XXXX bill. I paid my legitimate charges and left the fraudulent charges unpaid with the understanding that I could call and have payment/minimum balance suspended again for the XXXX bill if the investigation was still ongoing. I made no further charges to the card. 

Still not resolved by XXXX bill. Called XX/XX/year> to have minimum balance suspended again. However, my autopay was not suspended so a payment for the fraudulent charges was processed and debited from my bank account on XX/XX/year> ( attached ). When I realized this had happened I called again on XX/XX/year> to request a refund of the fraudulent charges pending the outcome of the investigation and was refused. 

I was told that investigations can take up to 90 days. The 90 day period has been exceeded and I can get no answer as to when or if this case will ever be resolved. Speaking to supervisors has yielded no results. I have expressed extreme dissatisfaction with each call, expressed that I will be cancelling the card and no longer shopping at Target, left negative reviews on multiple platforms, and contacted Target about this situation via the feedback option on the website multiple times, all to no avail. It makes no difference to them that I have been a loyal customer for decades. I have NEVER dealt with a credit card company that did not issue a temporary credit for fraudulent charges pending the outcome of a fraud investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-03 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: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( 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 may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) 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 2025-11-03 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: GA

Complaint narrative:
I have no knowledge of such inquiries, so this one seems to be unlawful and a unauthorized. Please resolve this issue as soon as you can. Thanks.

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 2025-11-03 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: AL

Complaint narrative:
I am submitting this complaint regarding the inaccurate reporting of late payment history on my credit report. Upon review, I noticed that XXXX or more accounts are being reported with late payments that are not accurate, verified, or properly documented. 

Under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure the maximum possible accuracy of all information they report. Furthermore, according to 15 U.S.C. 1681i, I have the right to dispute any item of information that I believe to be incomplete or inaccurate, and the credit bureau must conduct a timely and reasonable reinvestigation to verify its accuracy. 

Reporting late payments without sufficient proof of delinquency or verification from the original creditor constitutes a violation of the FCRA. These errors have caused unnecessary harm to my credit standing and misrepresent my payment behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ).

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ). 
Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b. 

I demand that the following items be deleted immediately from my credit report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I was previously insured with XXXX XXXX but chose not to renew my policy after it expired on XX/XX/year>. I did not authorize any renewal, and I did not receive or sign any new agreement for coverage after that date. 

Despite this, XXXX later reported that I owed a balance of {$270.00} for a policy period after my coverage ended. I contacted them to dispute this, but the balance remained and has been reported to the credit bureaus without my consent. 

This information is false and damaging to my credit which I believe violates the Fair Credit Reporting Act ( FCRA ) and constitutes an unfair billing practice. I am requesting that the CFPB investigate and require XXXX to remove or correct the inaccurate information from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XX/XX/XXXX Midland Credit Management XXXX. XXXX XXXX XXXX, Mi XXXX Subject : Cease and Desist Demand Pursuant to 15 U.S.C. 1692c ( c ) Re : Account Numbers : XXXX To Whom It May Concern : This letter serves as my formal written notice under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), demanding that Midland Credit Management and its agents immediately cease all communication with me regarding the above-referenced accounts. Under federal law, once a consumer provides written notice to a debt collector to cease further communication, the collector may only contact the consumer for the following limited purposes : 1. To advise that collection efforts are being terminated ; 2. To notify the consumer that the collector may invoke specified legal remedies ; or 3. To notify the consumer that the collector intends to invoke such a remedy.

Accordingly, you are hereby directed to cease all telephone calls, letters, emails, text messages, or any other form of contact with me, my family, my employer, or any third party in connection with these alleged debts.

This notice is not an acknowledgment of liability for any alleged debt, nor does it waive any of my rights under federal or state law. Any further contact outside the exceptions listed above will constitute a violation of the FDCPA, which may result in a complaint being filed with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and the Office of the State Attorney General. 

I expect full compliance with this request immediately upon receipt of this notice. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
This is my third time requesting you do a the right thing and remove this alleged debt from my credit report based on the fact that it does not belong to me. I requested an investigation to give you the opportunity to rectify the matter and instead you respond by saying you have not violated my rights. I sent you documented proof that the furnishing of this debt is completely inaccurate. How can a collection that was sold to you still be 120 days late on my report. Next according to the FDCPA 15 USC 1692e ( 8 ) and ( 10 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. You are knowing avoiding my dispute request by just stating the unverified information you have so called collected from another source. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2006 ) The courts emphasized th requirement for debt collectors to make a reasonable investigation and not simply rely on creditor data. Blindly accepting creditor claims without proper validation may violate the FDCPA. Therefore you are obligated to do your due diligence in provide me with an original contract bearing my wet ink signature that will give you permissible purpose to access my non public information such as Social Security number D.O.B and address. I will not stop until you obey my consumer rights in delete this fraudulent activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am writing regarding my XXXX XXXX credit card and late payments reported for XXXX through XX/XX/year>. 

I want to sincerely apologize for these late payments, these payments occurred due to a temporary financial hardship. During that time, I was facing reduced work hours. This situation temporarily impacted my ability to make my payment by the due date. 

As soon as my circumstances stabilized, I immediately made the past-due payment and have since continued to make all payments on time. This isolated incident does not reflect my normal payment habits or my commitment to maintaining a positive credit standing with 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Re : Reinvestigation and removal of disputed items ; unauthorized inquiries Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ), I request a full reinvestigation of the items listed below and removal of any item that can not be verified or is inaccurate. I also request removal of unauthorized inquiries listed below. 

Accounts in dispute : XXXX ) XXXX XXXX opened XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened XX/XX/XXXX XXXX ) XXXX XXXX Closed XX/XX/XXXX XXXX ) XXXX Closed XX/XX/XXXX XXXX ) XXXX / XXXX Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX ) XXXX Closed XX/XX/XXXX 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 Consumer Why I dispute : Items are inaccurate, unverifiable, or should be reported only as closed/paid. Inquiries were not authorized or are improper. 

Requested actions : Complete reinvestigation within 30 days ( 45 days where applicable ) and correct/remove items as appropriate per 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ).

Provide reinvestigation results and furnishers contact information.

Provide updated credit report reflecting removals or corrections. 

Documentation : Enclosed : copies of government-issued ID and proof of address. 

Additional Protections ( FDCPA reference ) Additionally, under 15 U.S.C. 1692k of the FDCPA, debt collectors who engage in unlawful practices may be liable for civil damages, attorneys fees, and costs. This notice is provided without waiving any rights under the FCRA. 

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 non-monetary relief
Consumer complaint received 2025-11-03 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:
Re : Reinvestigation and removal of disputed items ; unauthorized inquiries Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ), I request a full reinvestigation of the items listed below and removal of any item that can not be verified or is inaccurate. I also request removal of unauthorized inquiries listed below. 

Accounts in dispute : XXXX ) XXXX XXXX opened XX/XX/XXXX XXXX ) XXXX  XXXX XXXX opened XX/XX/XXXX XXXX ) XXXX XXXX Closed XX/XX/XXXX XXXX ) XXXX Closed XX/XX/XXXX XXXX ) XXXX / XXXX Closed XX/XX/XXXX XXXX ) XXXX XXXX XXXX  Closed XX/XX/XXXX XXXX ) XXXX Closed XX/XX/XXXX 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 Consumer Why I dispute : Items are inaccurate, unverifiable, or should be reported only as closed/paid. Inquiries were not authorized or are improper. 

Requested actions : Complete reinvestigation within 30 days ( 45 days where applicable ) and correct/remove items as appropriate per 15 U.S.C. 1681i ( a ) ( 1 ) and 1681i ( a ) ( 5 ).

Provide reinvestigation results and furnishers contact information.

Provide updated credit report reflecting removals or corrections. 

Documentation : Enclosed : copies of government-issued ID and proof of address. 

Additional Protections ( FDCPA reference ) Additionally, under 15 U.S.C. 1692k of the FDCPA, debt collectors who engage in unlawful practices may be liable for civil damages, attorneys fees, and costs. This notice is provided without waiving any rights under the FCRA. 

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 2025-11-03 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. 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 2025-11-03 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: VA

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with non-monetary relief