vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-08 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: FL

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever theXXXX is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with 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 2025-12-08 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I am submitting this complaint regarding Sequium Asset Solutions , LLC and their collection efforts on an alleged debt related to XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Sequium Asset Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Background XXXX XXXX  claimed that my spouse and I owed move-out charges that we dispute as inaccurate and unsupported. We previously sent a written dispute directly to the apartment complex disputing the charges and asking for proof. Despite this, the alleged debt was placed with Sequium Asset Solutions for collection. 

On XXXX, Sequium received our debt validation and dispute letter via email, in which we : Disputed the debt in its entirety ; Requested full validation, including an itemized statement, photos, invoices, and a copy of any signed lease or documents ; and Clearly stated they must cease all collection activity until proper validation was provided.

Continued Collection Activity Instead of providing the requested validation, Sequium sent another collection notice dated XXXX via email, demanding payment on the same alleged debt. 

This appears to violate the Fair Debt Collection Practices Act ( FDCPA ), specifically : 15 U.S.C. 1692g ( b ) which requires a debt collector to cease collection until the debt has been validated when the consumer disputes the debt in writing within 30 days ; and 15 U.S.C. 1692c ( c ) restricting further communication after a written cease-and-desist request. 

At this time : We still have not received proper validation of the alleged debt ; Sequium has continued collection attempts after our timely written dispute ; and We are concerned they may attempt to report this unvalidated debt to the credit bureaus. 

Requested Action I am requesting that the CFPB : Investigate Sequium Asset Solutions handling of this account and their continued collection activity after a written dispute and validation request ; Require Sequium to cease all collection efforts on this debt unless and until proper validation is provided in full compliance with the FDCPA ; Ensure that, if the debt can not be validated, it is not reported to any consumer reporting agency, or if already reported, that it is deleted ; and Take any additional action deemed appropriate to address non-compliance with consumer protection laws. 

I am happy to provide copies of : My original validation/cease letter ; Sequiums subsequent collection notice ( s ) ; Prior correspondence with XXXX XXXX disputing the charges. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: CA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am filing this complaint because I disputed inaccurate or incomplete information on my consumer report with a consumer reporting agency. Under 15 U.S.C. 1681i ( Fair Credit Reporting Act 611 ), the agency is required to conduct a reasonable reinvestigation, free of charge, within 30 days of receiving my dispute, to determine whether the information is inaccurate. The agency must notify the data furnisher, review and verify the accuracy of the information, and delete or correct it if it can not be verified. The agency must also provide me with written results of the reinvestigation, including a copy of my corrected consumer report, and notify me of my right to add a statement of dispute. 

In my case, the agency did not comply with these requirements. It failed to complete a reasonable reinvestigation and/or did not correct or delete unverifiable information within 30 days. I am requesting that the CFPB review this matter and ensure the consumer reporting agency fulfills its obligations under 15 U.S.C. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
I am a consumer requesting a full investigation into the inaccurate, outdated, or incomplete information listed below. I am disputing these accounts with each credit bureau individually. Please review, verify, and remove any items that can not be fully validated under the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in dispute : Charged Off Accounts in Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been a victim of fraud and identity theft and recently I have learned that my information was used to make transactions that are unauthorized. Not only that, they actually have registered different addresses under my name which I never gave consent and now, I can't even pull up my Equifax account for that matter. I need to have my address updated the soonest possible time please so as to make sure all my information are protected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: PA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 2025-12-08 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: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-08 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: PA

Complaint narrative:
I am writing to request the swift removal of unauthorized accounts from my credit report, as I did not authorize them and was unaware of their existence. Under 15 U.S.C. 1681i of the Fair Credit Reporting Act, please delete these entries within 15 days. Supporting documents are enclosed for your reference.

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 2025-12-08 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: WA

Complaint narrative:
Issue Summary American Express changed the 35 percent Airline Bonus benefit on the Business Platinum Card without providing adequate notice. I made a high-value points redemption relying on the longstanding terms. Because I was not meaningfully notified of the change, I lost nearly XXXX Membership Rewards points, worth close to {$2000.00}. American Express has refused to provide a proportional remedy. 

What happened On XX/XX/year>, I booked two first class tickets through Amex Travel using Pay With Points and redeemed XXXX Membership Rewards points. 
Under the longstanding benefit, this booking would have earned a 35 percent rebate, equal to XXXX points. 
I was not notified that American Express changed the benefit on XX/XX/year>. 
I received no email, no physical mail, no secure message, and no direct alert in my online account. 
The only notice appeared buried several pages into a XXXX statement. My business does not manually review statements because all transaction data is imported automatically into our accounting software. 
American Express regularly mails me physical notices for far less significant account updates, so I had no reason to believe a material change would be hidden deep in a statement XXXX 

Attempts to resolve I contacted American Express multiple times. 
Travel Services confirmed the booking can not be unwound in a way that restores my Membership Rewards points. 
Card Services stated that the only remedy offered was XXXX points, which is not proportional to the nearly XXXX points lost. 
Supervisors acknowledged the benefit change but stated the notice was sufficient because it appeared in the statement XXXX 
They confirmed there is no way to reverse the original points redemption, and no way to rebook in a way that restores my ability to receive the rebate. 

Why I am filing this complaint This is a material financial loss caused by inadequate disclosure of a material change to a longstanding benefit that the card was marketed on. A reasonable cardholder would expect a direct notice for a change of this size, especially given Amexs pattern of sending physical mail for far smaller updates. Had I been notified properly, I would have changed my selected airline and redeemed my points differently.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: NC

Complaint narrative:
I am filing this complaint regarding XXXX XXXX XXXX XXXX and their attempts to collect an alleged debt that I dispute. 

On or about XX/XX/year>, I sent the attached Debt Validation Letter and Notice to XXXX XXXX XXXX XXXX by certified mail. In that letter, I clearly : Stated that I dispute the alleged debt ; Invoked my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and requested written validation of the debt ; Requested specific documentation, including a copy of the original contract, an itemized statement, proof that they are the lawful owner/assignee of the debt, and the identity of the true creditor ; and Informed them that all collection activity must stop until proper validation is provided.

They are reporting this account on my credit reports with Equifax / XXXX XXXX XXXX  as owed and in collections, even though the debt is disputed and has not been validated. 

I believe this violates the FDCPA and the Fair Credit Reporting Act ( FCRA ), because they are communicating and furnishing information they know or should know is disputed and unvalidated. 

Lack of validation To date, I have not received the documentation requested in my validation letter ( no signed contract, no complete accounting, no proof of ownership of the debt, etc. ).

Any responses I have received have been generic form letters that do not answer the specific validation requests in my notice.

I am attaching a copy of my Validation Letter and Notice, along with proof of certified mailing and any responses I have received from the company.

Laws and rights I believe were violated FDCPA, 15 U.S.C. 1692g ( b ) continuing collection efforts without providing proper validation after I disputed the debt in writing.

FDCPA, 15 U.S.C. 1692e and 1692f false, misleading, or unfair collection practices by continuing to demand payment on a disputed and unvalidated debt.

FCRA, 15 U.S.C. 1681s-2 ( b ) ( if they furnish to credit bureaus ) failure to conduct a reasonable investigation and correct or delete disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 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: MI

Complaint narrative:
I am filing this complaint because certain items being reported by the credit bureaus appear to be inaccurate, incomplete, or unverifiable. I have attempted to resolve these issues directly with the credit bureaus, but the information remains incorrect. I am requesting the CFPBs assistance to ensure a proper and lawful investigation under the FCRA. 
Charged-Off / Public Record Account Bankruptcy Case # XXXX Date XX/XX/XXXX Balance {$0.00} This bankruptcy is being reported inaccurately. The reporting details appear incorrect or incomplete. I request verification including court records and proper documentation. If it can not be fully validated, it should be removed. 

Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX I dispute these inquiries because they were not authorized or I do not recognize them. I request that TransUnion validate each one and remove any that can not be verified. 

Late Payments XXXX  XXXX XXXX Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX These late payments appear to be inaccurately reported. I request complete verification of payment records. If no documentation can be provided, the marks should be deleted.

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 2025-12-08 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: Exeter Finance, LLC.
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.

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 response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 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: VA

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: GA

Complaint narrative:
I previously submitted a debt validation request to the company, but I have not received any response or documentation. The debt has not been verified, and no supporting information has been provided to me as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: VA

Complaint narrative:
My wife and I went to XXXX to rent a car. They swiped our card and realized it was a debit card. XXXX only accepts credit cards. So XXXX voided the transaction and we left without renting a vehicle. My bank XXXX put a XXXX day hold on the XXXX. I have explained that the transaction was voided and made multiple attempts to have my money released. I sent a copy of the statement from XXXX that shows date time and transaction. And that it was voided immediately after. But my bank still refuses to release the hold on my money. This started XX/XX/2025 XXXX XXXX XXXX  and is still on hold. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I leased a XXXX XXXX XXXX  back in XXXX believe I put about {$3000.00} down to make an affordable payment of {$390.00} @ month. I recently did a refinance of my house and they suggested buying out the lease to make my debt to income ratio better. 
Hyundai Finance gave me a payoff of {$32000.00} which was sent in 2 checks to them {$31000.00} which was the first payoff figure I was quoted however it changed to {$32000.00} by XX/XX/XXXX. 
The Finance company then said this car has to be purchased from the dealership.The dealership is trying to charge me {$32000.00}. This is the amount I was first paying for the car back in XXXX and more than the car is today 's value .. I am desperately trying to have my money refunded or sent to the dealership to complete or cancel this transaction. However Hyundai cashed both checks and never sent them to me or the dealership.I have called on daily basis to try to resolve this I would like my money refunded to me as soon as possible and to make sure the are not reporting my payment as late. due to their horrible communication,

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