vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: CA

Complaint narrative:
I had XXXX on cash app all of a sudden a transaction of XXXX then XXXX was bought from XXXX an sent to XXXX an I dont understand why because I never made these transactions

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 am filing a complaint against American Express for failing to protect me as a cardholder after I transferred a large number of XXXX  XXXX  points to XXXX of their travel partners ( XXXX XXXX ) based on deceptive information. 

On XX/XX/XXXX I transferred XXXX Amex XXXX XXXX  points to XXXX XXXX  XXXX  after seeing reward availability for a specific flight on their website : XXXX ( operated by XXXX ) from XXXX XXXX ( XXXX  ) to XXXX ( XXXX ), departing XX/XX/XXXX. 

However, immediately after transferring the points, I was unable to book the flight. I attempted to do so several times and received repeated error messages. I then contacted XXXX, who advised that there was no reward availability, despite the website continuing to show it. 

When I contacted Amex to report the issue, I was told this did not qualify as fraud and that nothing could be done. Amex has refused to investigate or recover the points despite the fact that the transfer was made in reliance on false information presented by a XXXX XXXX  partner. 

I feel strongly that this conduct and XXXX inaction violates reasonable consumer protections. I relied on the accuracy of a rewards partner promoted by Amex and was financially harmed by their deceptive practices. Amex continues to market this partner and benefits from my continued use of the XXXX XXXX  program, yet offers no recourse when the partner acts in bad faith. 

I am requesting that Amex : Investigate the matter formally XXXX back the points that were transferred under false pretenses Provide clarity on how consumers are protected from deceptive behavior by XXXX partners

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: IL

Complaint narrative:
I am filing formal complaint to dispute the following unauthorized account and inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), no person or entity may access a consumer report without a permissible purpose explicitly authorized by law or with the consumers written consent. 
The following items to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am filing formal complaint to dispute the following unauthorized account and inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), no person or entity may access a consumer report without a permissible purpose explicitly authorized by law or with the consumers written consent. 
The following items to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I recently looked at my credit report and found multiple accounts that I do not recognize and did not approve. This makes me concerned about my private information, which I have not allowed anyone to use. As a victim of identity theft, I urgently ask for the immediate removal of these fraudulent accounts from my credit report. My private personal information may have been leaked in a data breach. I have mentioned the fraudulentaccountsbelow. 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 2025-08-07 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: OH

Complaint narrative:
Bank errors related to billing and reporting are negatively impacting my credit. Under XXXX  ( XXXX XXXX Code XXXX ( b ) ), creditors are required to accurately reflect payments and credits, but several issues have arisen : payments I made were not properly recorded, and there are clear calculation errors in the reported amounts. Additionally, I was not provided with the required XXXX notice before a payment was due, making any late payment marks invalid. These inaccuracies are a clear violation of federal law and unfairly harm my credit standing.

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 2025-08-07 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: GA

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. 

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 List of Unauthorized Inquiries : 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 2025-08-07 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection entry listed on my credit report related to my account ( Account Number : XXXX. This account has been reported as a collection and subsequently written off, yet I have not received a Form 1099-C, Cancellation of Debt, which is required for the IRS and impacts the accuracy of its reporting on my credit file. 


Background The collection account in question was reported by XXXX XXXX XXXX. While I acknowledge that the debt initially existed, I contest the continued reporting of this collection status due to the following reasons : 1. Written Off Account : According to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), a creditor must furnish accurate information when reporting to credit agencies. Since this account has been written off, it does not accurately represent my current financial obligation.

2. Lack of Form 1099-C : Under IRS guideline IRC 108 ( e ) ( 2 ), cancellation of debt income must be reported. The absence of a Form 1099-C indicates that this debt has not been considered canceled under IRS requirements , thus implying that the debt is still owed. Therefore, it should not appear on my credit report as a collection account.

3. Fair Credit Reporting Practices : The FCRA requires that reporting agencies ensure the accuracy and integrity of the information they provide. Reporting a canceled debt without proper documentation and IRS notification constitutes a failure in maintaining accurate records ( FCRA 1681i ).

4. Consumer Protection : According to FCRA 609, I have the right to request any information and documentation regarding debts that are reported on my credit file. The lack of a 1099-C suggests that this debt should not carry the weight of collection status on my credit report.

Request for Action I kindly request that you investigate this matter and remove the inaccurate collection entry associated with the above-mentioned account from my credit report. The continued reporting of this account is not only inaccurate but is also having a detrimental effect on my credit score and financial opportunities.

Please respond with the results of your investigation and any actions taken to correct this issue. 


Thank you for your prompt attention to this matter. 

[ 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 2025-08-07 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: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection entry listed on my credit report related to my account ( Account Number : XXXX. This account has been reported as a collection and subsequently written off, yet I have not received a Form 1099-C, Cancellation of Debt, which is required for the IRS and impacts the accuracy of its reporting on my credit file.

Background The collection account in question was reported by XXXX XXXX XXXX. While I acknowledge that the debt initially existed, I contest the continued reporting of this collection status due to the following reasons : 1. Written Off Account : According to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), a creditor must furnish accurate information when reporting to credit agencies. Since this account has been written off, it does not accurately represent my current financial obligation.

2. Lack of Form 1099-C : Under IRS guideline IRC 108 ( e ) ( 2 ), cancellation of debt income must be reported. The absence of a Form 1099-C indicates that this debt has not been considered canceled under IRS requirements , thus implying that the debt is still owed. Therefore, it should not appear on my credit report as a collection account.

3. Fair Credit Reporting Practices : The FCRA requires that reporting agencies ensure the accuracy and integrity of the information they provide. Reporting a canceled debt without proper documentation and IRS notification constitutes a failure in maintaining accurate records ( FCRA 1681i ).

4. Consumer Protection : According to FCRA 609, I have the right to request any information and documentation regarding debts that are reported on my credit file. The lack of a 1099-C suggests that this debt should not carry the weight of collection status on my credit report.

Request for Action I kindly request that you investigate this matter and remove the inaccurate collection entry associated with the above-mentioned account from my credit report. The continued reporting of this account is not only inaccurate but is also having a detrimental effect on my credit score and financial opportunities.

Please respond with the results of your investigation and any actions taken to correct this issue. 


Thank you for your prompt attention to this matter. 

[ XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of a collection entry listed on my credit report related to my account ( Account Number : XXXX. This account has been reported as a collection and subsequently written off, yet I have not received a Form 1099-C, Cancellation of Debt, which is required for the IRS and impacts the accuracy of its reporting on my credit file.

Background The collection account in question was reported by XXXX XXXX XXXX While I acknowledge that the debt initially existed, I contest the continued reporting of this collection status due to the following reasons : 1. Written Off Account : According to the Fair Credit Reporting Act ( FCRA ) 1681s-2 ( a ) ( 1 ) ( A ), a creditor must furnish accurate information when reporting to credit agencies. Since this account has been written off, it does not accurately represent my current financial obligation.

2. Lack of Form 1099-C : Under IRS guideline IRC 108 ( e ) ( 2 ), cancellation of debt income must be reported. The absence of a Form 1099-C indicates that this debt has not been considered canceled under IRS requirements , thus implying that the debt is still owed. Therefore, it should not appear on my credit report as a collection account.

3. Fair Credit Reporting Practices : The FCRA requires that reporting agencies ensure the accuracy and integrity of the information they provide. Reporting a canceled debt without proper documentation and IRS notification constitutes a failure in maintaining accurate records ( FCRA 1681i ).

4. Consumer Protection : According to FCRA 609, I have the right to request any information and documentation regarding debts that are reported on my credit file. The lack of a 1099-C suggests that this debt should not carry the weight of collection status on my credit report.

Request for Action I kindly request that you investigate this matter and remove the inaccurate collection entry associated with the above-mentioned account from my credit report. The continued reporting of this account is not only inaccurate but is also having a detrimental effect on my credit score and financial opportunities.

Please respond with the results of your investigation and any actions taken to correct this issue. 


Thank you for your prompt attention to this matter. 

[ 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 2025-08-07 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:
A collection account from XXXX appeared on my credit report with a reported date of XX/XX/XXXX. I do not recognize this debt, was never notified about it, and have never received any communication or validation from XXXX or any collection agency acting on their behalf. 

I did not receive a written notice of this collection, nor was I given the opportunity to validate or dispute the debt within the required 30-day timeframe under the Fair Debt Collection Practices Act ( FDCPA ). I have never opened or knowingly defaulted on any account with XXXX. 

On XX/XX/XXXX I reviewed my credit report and saw this account for the first time. Since then, I have not received any explanation or proof of the debts validity. I am requesting that the company provide full validation of the account, including the original creditor, itemized charges, and proof that the debt belongs to me. If they can not do so, I am asking that the account be removed from all credit reporting agencies. 

I believe this may be an error or possible case of mistaken identity, and I am exercising my rights under the FCRA and FDCPA to dispute this item. Please investigate this matter and ensure that companies reporting inaccurate or unverifiable information are held accountable. 



LAW U.S.C. 1681

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 2025-08-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-08-07 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: WI

Complaint narrative:
As a direct result of multiple recent data breaches including Equifax, XXXX, and XXXX others, my personal identifiable information was compromised which has resulted in the theft of my identity. This led to the appearance of unknown personal information ( addresses, names, jobs, etc. ), unauthorized accounts, unfamiliar credit inquiries, and inaccurate delinquent payment entries on my credit report. I am formally requesting a comprehensive reinvestigation into these accounts, inquiries, and personal information with the enforcement of my consumer rights as specified under the Fair Credit Reporting Act SECTION XXXX ( XXXX XXXX XXXXXXXX ). I ask that all inaccurate, unverifiable, and/or fraudulent information be permanently removed from my credit report within XXXX  days as this information is XXXX  to my XXXX XXXX XXXX XXXX! I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate Under 15 USC 1681e ( b ) and 15 USC 1681i my report is required to contain only information that is accurate complete and verifiable I am requesting that these late payment entries be verified and if they can not be confirmed they should be corrected or 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 2025-08-07 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: IL

Complaint narrative:
I am filing formal complaint to dispute the following unauthorized account and inquiries listed on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) 15 U.S.C. 1681b ( a ), no person or entity may access a consumer report without a permissible purpose explicitly authorized by law or with the consumers written consent. 
The following items to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation