vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-13 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I purchased XXXX fights from XXXX on XX/XX/year> which I shortly filed a dispute because I was not able to check on my flight with the ticket number that was provided to me. I explained that to the claim representative. I also explained that I called them explaining my concern. American Express investigated team shortly closed the claim without allowing me the chance to provide proof that I cant see my flight details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-13 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to advise that I am a victim of trafficking. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX 


XXXXINQUIRY : ( EXPERIAN ) XXXX XXXX XXXXXXXX Inquiry date - XX/XX/XXXX INQUIRY : ( TRANSUNION XXXX XXXX - Inquiry Date XX/XX/XXXX *ACCOUNTS/COLLECTIONS/CHARGE-OFF : ( EXQUIFAX ) XXXX  XXXX Balance - {$310.00} Credit limit - {$200.00} Account number XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX Account number - XXXX Date opened- XX/XX/XXXX XXXX XXXX Original balance {$530.00} Account number XXXX Date opened XXXX XXXX, XXXX XXXX XXXX Original balance - {$520.00} Account number - XXXX Date opened- XX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. This section provides the right to request the deletion of information from a credit report as a result of trafficking. Per 605C - 2 In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of trafficking in persons or XXXX  XXXX  if the consumer has provided trafficking documentation to the consumer. The Bureau is adopting several amendments to Regulation V to implement new section 605C of the Fair Credit Reporting Act ( FCRA ) ,1 added by the National Defense Authorization Act for Fiscal Year XXXX ( XXXX XXXX  ) XXXX In brief, section 605C provides that a consumer reporting agency may not furnish a consumer report containing any adverse item of information concerning a consumer that resulted from a severe form of XXXX  in persons or XXXX XXXX  if the consumer has provided XXXX  documentation to the consumer reporting agency.3 Under section 605C, the Bureau is required to issue implementing regulations within 180 days of the enactment of the XXXX NDAA XXXX Section 605C is effective 30 days after the Bureau issues its final implementing regulations. BILLING CODE : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX [ Docket No. XXXX ] XXXX  XXXX Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking ( Regulation V ) Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to 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 2025-03-13 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 Name or SSN isnt matching with this account.They wouldnt give me info on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The account is charged off and they are reporting it as late and or past due. This is hurting my credit and Im trying to find a home. Also I requested a 1099 form.

The FDCPA bars the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e.P

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
The account is charged off and they are reporting it as late and or past due. This is hurting my credit and Im trying to find a home. Also I requested a 1099 form.

The FDCPA bars the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e.P

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: CA

Complaint narrative:
The account is charged off and they are reporting it as late and or past due. This is hurting my credit and Im trying to find a home. Also I requested a 1099 form.

The FDCPA bars the use of any false, deceptive, or misleading representation in connection with the collection of any debt. 15 U.S.C. 1692e.P

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
My credit report contains late payment remarks that are completely inaccurate and misrepresent my actual payment history. These false records are unfairly lowering my credit score and harming my financial reputation. I will not allow these reporting errors to go unchallenged. 

The following items I am disputing are the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Despite my diligence in managing my financial obligations, these mistakes continue to create unnecessary obstacles. The FCRA clearly states that any incorrect, outdated, or unverifiable information must be promptly corrected or removed. I demand immediate action to rectify these errors, as any further delay will only increase the damage already done. Failure to act swiftly will be seen as deliberate negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
On XX/XX/year> I forward the attached letter requesting verification of debts belonging to the company listed below Resurgent Correspondence XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The debt belongs to LVNV which is a subsidiary of Reaurgent. Under Section 609 of the Fair Credit Reporting Act ( FCRA ), I have the right to request specific documentation verifying this debt.

They have failed to provide me the proper verification and as such they should remove the accounts from my credit profile. XXXX has stated they properly verified the debt but indecently disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-03-13 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: WI

Complaint narrative:
I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ).

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$560.00} - Account # : XXXX XXXX XXXXXXXX XXXX - Balance : {$20000.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate.

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : 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 Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the 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 2025-03-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I paid a settlement with them in the agreement that they would put it as paid in full not a charge off. It was fine for a year and now it shows multiple late payments and a charge off not paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
i had my identity stolen multiple accounts has been open without my knowledge. i recently lost my drivers license and social security card which maybe whats causing this issue. my business has had the same thing happen

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 2025-03-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
I am writing regarding XXXX the principal name XXXX XXXX. The retail installment contract referenced in this matter qualifies as a negotiable instrument under UCC 3-104, as a potential asset-backed security ( ABS ), backed by the full faith and credit of the United States government under 31 U.S.C. 1501 and constitutes legal tenders for all debts, public charges, taxes, and dues as defined under federal law. 31 U.S.C. 5103. In exchange, [ COMPANY NAME ] receives a cash advance from the United States Treasury or a Federal Reserve Bank for processing. 
Pursuant to California Probate Code 4151, I hereby revoke all previously granted Powers of Attorney related to this account or any other matters, effective immediately. Any actions under prior POAs are now void. 
Under UCC 3-305, I reserve my right to recoup any overpayments or improper charges collected beyond what was lawfully due. If overpayments or improper charges have been applied, please issue a refund promptly. I assert my claim to the interest and proceeds derived from each trade and instrument in accordance with UCC 3-306, along with my possessory rights to both the instruments and the associated property. This includes all financial benefits, credits, or equities derived from this account. 

To resolve this matter in good faith, I am tendering the enclosed Bill of exchange as full satisfaction of the obligation under UCC 3-311. Failure to comply, will be considered a dishonor per UCC 3-502. Any attempt to destroy, cancel, or transfer this instrument shall be discharged to the extent of the amount tendered under UCC 3-603 - UCC 3-604 ( a ). You have ten ( 10 ) business days to accept and process this instrument. I request a full accounting under UCC 9-210, including transaction history, securitization details, and any tax filings forms. Please cease all collection activities immediately, as continued efforts may violate federal laws such as the FDCPA ( 15 U.S.C. 1692 ) and the FCRA ( 15 U.S.C. 1681s-2 ). I will pursue filing complaints with the SEC, OCC, IRS, FTC, and the Attorney General 's Office to proceed with legal action and seek full monetary damages. 

Thank you

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 2025-03-14 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 want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

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 2025-03-14 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: MO

Complaint narrative:
The company reports my history so that it looks like i always owe a balance or dont report accurate payments that I make or when they are made it does this to keep my credit score low

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 2025-03-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: MOHELA
State: CT

Complaint narrative:
I have reason to believe that staffers associated with XXXX XXXX, operating under the Department of Government Efficiency, improperly and illegally accessed my personal and financial information without my consent. This unauthorized access has compromised my privacy and exposed me to potential financial harm, identity theft, and other risks. I have strong reason to believe that my personal and financial data, including but not limited to my Social Security number, bank account information, credit card details, and income information, was accessed without my authorization by individuals affiliated with XXXX XXXX team at the Department of Government Efficiency. At no point did I provide consent for my data to be accessed, shared, or used by these individuals or entities. Furthermore, I am unaware of any legal basis or legitimate purpose that would justify such access. This unauthorized access to my data raises serious concerns about how this information may be used, shared, or exploited. I am particularly concerned about the potential for identity theft, financial fraud, or other malicious activities that could result from this breach. The actions of these individuals demonstrate a blatant disregard for established data privacy laws and regulations, including the Gramm-Leach-Bliley Act ( GLBA ) and the Fair Credit Reporting Act ( FCRA ). I am deeply concerned about the implications of this incident and the potential harm it may cause to my financial well-being and privacy. I trust that the CFPB will take swift and decisive action to address this matter and protect consumers from similar violations in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
On XX/XX/XXXX I requested a credit report from XXXX for the first time in my life. On that credit report, I discovered that a credit card was opened up under my name in XXXX in Delaware at XXXX XXXX This credit card now has over {$10000.00} worth of debt under my name which has been accrued over the past decade. I had no knowledge of this. I reached out to my sisters and they discovered that they also have fraudulent credit cards accounts open under their name in various years amounting to upwards of {$45000.00} each. There is obviously a larger fraud problem here not just related to the credit card, but the credit card needs to be shut down and I would greatly appreciate the debt be wiped from my record since the person who accrued the debt was not me. 
I reported the fraud to XXXX on XX/XX/XXXX. I can give you the report number up upon request. I am worried that this person has my Social Security number, as well as that of my sisters, and that this is a part of a much larger scheme to defraud us.

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 2025-03-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. I've worked hard to build my credit, and it's frustrating to see it affected by mistakes that aren't my fault. I'm anxious to get this fixed as soon as possible because I don't want 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 non-monetary relief
Consumer complaint received 2025-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-13 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: NY

Complaint narrative:
I sent a letter regarding inaccurate and unknown accounts on my credit report. Please review all the documents I've sent in regards to this!

Company response to consumer: Closed with explanation