vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: SC

Complaint narrative:
I XXXX XXXX, a consumer, am notifying you that I disputed this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT, VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTH OF THE STATEMENT OF THE FACT OF THE MATTER, HAVE FIRST HAND KNOWLEDGE AND MUST BE NOTARIZED.

Since this debt is disputed pursuant the Fair Debt Collection Practices Act you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX XXXX XXXX 

I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting my information in my name to the consumer reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-06-21 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: MS

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: PA

Complaint narrative:
Called TransUnion states it not on my credit report I see XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX inquiry on my credit report with like removed immediately.

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 2025-06-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have XXXX XXXX XXXX XXXX with American Express. I have been a loyal customer since XXXX. Both cards have been always in good standing with balance always paid on time. 

This year in XXXX, both cards were renewed with annual fees of {$690.00} each posted in XXXX ( XX/XX/XXXX, and XX/XX/XXXX ). XXXX weeks later on XX/XX/XXXX, both cards were cancelled by American Express, which they said was " due to indicia of misuse ''. 

I contacted them regarding reason for cancellation, and they refused to provide any information or details. I understand that either party can choose to close the account at will. However, charging {$690.00} annual fee for the full year next year and then cancel the card only XXXX weeks later is an unacceptable and unfair way of exploiting from loyal customer. I requested to have the annual fee refunded, and the customer service agent said the annual fee will automatically be refunded after XXXX billing cycles. 

Today ( XX/XX/XXXX ) the XXXX billing statement is already posted and yet the annual fee is not still refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the XXXX. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 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: CA

Complaint narrative:
I have been living a nightmare ever since i was an identity theft victim, there are some accounts and inquiries on my report that do not belong to me and were not made by me. I've tried it all to fix this problem but the situation does not seem to get better. I am beggin you to take immediate action about all of this. These are the items mentioned : 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 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 explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I invited two friends to sign up with Coinbase to take advantage of the refer a friend bonus. I texted them my link directly from my account to their phones. I was with them in person and showed them how to use my link to sign up from their text message I sent. We linked their bank accounts and I showed them how to make a purchase of crypto ( XXXX ) and send it to another wallet. After my reward had not arrived within the timeframe stated I contacted support and they acted like they could not see where my link was used to sign up and asked for the emails of the accounts. Once provided they claimed that my link was not used to create the accounts which I know for a fact is not true. I challenged the response and then they changed it to the accounts did not make a purchase, only a deposit and a conversion, which i pointed out is a fallacy because you can not convert crypto without having purchased it first in order to have something to convert. So then the excuse became that they did not purchase the required amount of {$100.00} which is completely inaccurate as the terms of the offer stated the minimum purchase was {$20.00}. After many, many calls to support over the XXXX and a XXXX XXXX it has been I have received several different and conflicting reasons to why I have not received the payment and the issue has been " escalated '' several times with no follow up resolution. I have been knowingly lied to in an unfair and deceptive manner many times in order to not receive the rewards I earned.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-21 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: CITIBANK, N.A.
State: NM

Complaint narrative:
On XX/XX/year> I noticed a charge for a good/service I never puchased and never received on my citibank credit card. I immediated filed a dispute with citi. On XX/XX/year> I received notice of an adverse decision stating I was responsible, despite never having charged this or received any product. Citi stated a letter detailing their reasons was posted in my portal on the online website. No such letter exists. 

This had been my primary card where I charged $ XXXX to $ XXXX per month on an ongoing basis. No more. I have frozen the card and am going through subscriptions to move those transactions to Capital One. I won't do business with citi after this, not for shoe laces or a stick of gum. I am seeking to be made whole for the {$69.00} in fraudulent charges to this " XXXX '' outfit. 

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 non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: AR

Complaint narrative:
Kikoff is reporting a charged-off account for {$85.00} on my XXXX  credit report. This account was opened in XX/XX/year> as part of a credit builder program, not an actual line of credit. I never received borrowed funds or access to usable credit. The program involved virtual store credit for digital content, and I was not properly informed that failing to make ongoing payments would result in derogatory reporting. 

I attempted to resolve the issue through Kikoffs website, but there is no available contact option to dispute or negotiate this tradeline. There was no clear warning that inactivity would result in a charge-off or that the program operated like a traditional loan. I consider this misleading and predatory. 

I am requesting that this account be fully removed from my credit report. The current reporting is not reflective of real debt and is unfairly damaging my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Prepaid card — Gift card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Incomm Holdings Inc.
State: NJ

Complaint narrative:
After an extremely long delay, my case ( No. XXXX ) was finally resolved. However, InComms customer service continues to be inefficient and unhelpful. I updated my mailing address because the case dragged on for so long, and my old address is no longer valid. 

Despite sending valid address verification ( a bank statement ), InComm still delaying to send the replacement card to the correct address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IL XXXX I have already waited far too long, and this continued delay is unacceptable. I will be attaching my address verification, case approval. 

The phone support has been extremely unprofessional, uncooperative, and careless throughout the entire process. I need this matter resolved immediately, and the card reissued to the correct address without further excuses.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
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 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 2025-06-21 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: CA

Complaint narrative:
I wanted to let you know that I've recently experienced a data breach that has put my personal information at risk. This situation has raised serious worries for me about the safety of my sensitive data. Because of this breach, there are now fraudulent accounts and debts under my name. Id really appreciate it if you could take this into account when looking at my credit report and help fix any errors or fraudulent activities.

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 2025-06-21 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:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: MA

Complaint narrative:
My total Loan amount is {$53000.00} after graduation, and Mohela is reporting {$63000.00} on my credit report. They have not provided me with accurate information about my loan, such as a copy of my past : A Master Promissory Note was signed with my original signature. 
Chain of Custody documentation showing the legal transfer of the loan, showing servicing rights. 
Proof of legal authority to the loan servicer furnishing data amid the federal student loan restructuring. 
Full ledger deferments and forbearances. 
If Mohela is not able to provide these documents in XXXX days, under Section XXXX XXXX debt needs to be deleted from my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: TX

Complaint narrative:
I am writing to formally file a complaint regarding an unauthorized credit card account reported on my credit file by Barclays Bank. 

Account Details : Creditor : Barclays Bank Account type : Credit Card Account number : [ Last XXXX digits, XXXX ] I did not apply for, authorize, or consent to this account. I became aware of this account when reviewing my credit report. This is a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which prohibits the furnishing or use of a consumer report without a permissible purpose. 

Upon discovering this, I promptly contacted Barclays to report the account as fraudulent. However, Barclays has failed to : Close or block the account as fraudulent, as required under FCRA 15 U.S.C. 1681c-2 ( block of information resulting from identity theft ), and Notify the credit reporting agencies to delete the account from my credit file. 

Their inaction is also inconsistent with the Credit Card XXXX XXXX and Disclosure ( CARD ) Act requirements to protect consumers from unauthorized accounts.

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 2025-06-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
To Whom It May Concern, I am writing to dispute the handling of an account that your company has reported and verified. The account in question was marked as closed with a remaining balance, and despite my previous request for proper debt validation under the Fair Debt Collection Practices Act ( FDCPA ), your company proceeded to verify the account without providing sufficient documentation. 

To date, I have not received the original contract, itemized charges, or any documentation proving I am legally obligated to pay this alleged debt. Simply verifying the account with the credit bureaus without proper debt validation is a violation of my consumer rights under federal law. 

Additionally, I would like a detailed explanation as to why the account was reported as closed with a balance, and request all relevant documentation to support this status. 

This letter serves as a formal dispute of the account. If you can not provide the required validation within XXXX days, I respectfully demand that : The account be removed from all credit reporting agencies. 

You cease all collection activity related to this debt. 

You provide written confirmation of these actions. 

If this matter is not resolved appropriately, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. 

Thank you for your prompt attention. I look forward to your written response. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 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: VA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Velocity Portfolio Group
State: NY

Complaint narrative:
Hello, I received a letter from XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. to collect a debt on behalf of a creditor. The letter appears to be from a law firm, but no attorney signed it or reviewed my case this could be considered a false or misleading representation ( a violation of FDCPA 807 ). There is no name attached to the letter nor is there a signature. I am requesting an investigation and please ensure that the firm complies with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-21 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: Credit Repair Anywhere
State: NY

Complaint narrative:
credit repair.com XXXX XXXX XXXX XXXX XXXX XXXX companies commit fraud against my accounts and they are still hacking the Accounts all over the world i receive a check but it is voided on or not cashed XX/XX/year> XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-06-21 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: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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