vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am unaware of this debt and did not have the opportunity to dispute this account # XXXX. If you believe you sent proper notification please provide Certified Mail with receipt displaying my signature. If not please delete this account as soon as possible off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: AL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On Wednesday, XX/XX/XXXX, around XXXX AM, a XXXX transaction for {$600.00} was made from my Chase bank account without my knowledge or authorization. I did not send, approve, or authorize this transaction. 

Then, on XX/XX/XXXX, another unauthorized XXXX transaction occurred from my account. Again, I did not authorize this transaction and did not send money through XXXX on that day. 

These are clear cases of unauthorized transactions under the Electronic Fund Transfer Act ( Regulation XXXX ), and I reported both to Chase immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

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 there 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 non-monetary relief
Consumer complaint received 2025-05-13 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: IN

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 there 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
All of the credit reporting agencies violated rights by furnishing bankruptcy on credit report which was not given to them by bankruptcy court. Nor was consent ever given to reporting agencies to furnish public records on report. Furthermore if debt was owed to bankruptcy court the debt is displayed on reports however it is not and debt doesnt list a furnisher therefore the info on credit report inaccurate. Lastly the entire public records section on all credit reporting agencies is inaccurate because it doesnt report accurate public records IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED 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 2025-05-13 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: WI

Complaint narrative:
All of the credit reporting agencies violated rights by furnishing bankruptcy on credit report which was not given to them by bankruptcy court. Nor was consent ever given to reporting agencies to furnish public records on report. Furthermore if debt was owed to bankruptcy court the debt is displayed on reports however it is not and debt doesnt list a furnisher therefore the info on credit report inaccurate. Lastly the entire public records section on all credit reporting agencies is inaccurate because it doesnt report accurate public records IT IS CLEAR THEY DO NOT REPORT TO YOU OR ANY CREDIT BUREAU FOR THAT MATTER : THEREFORE, YOUR INITIAL RESPONSE VERIFYING THE ITEM WITH THE COURT WAS EITHER AN ERROR OR A LIE. 
EITHER WAY, THE REPORTING REQUIREMENTS DO NOT COMPLY WITH FCRA 611 ( 15 U.S.C. 16811 ), AND THE INFORMATION MUST BE DELETED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: PA

Complaint narrative:
Fair Credit Reporting Act XXXX XXXX Accounts I am formally dispute inaccurate and potentially unverifiable late payment information being reported on my credit file by XXXX XXXX XXXX XXXX. This dispute concerns the following accounts : - Credit Card Account Ending in XXXX reported late XX/XX/year> - Account Number : XXXX reported late XXXX, XX/XX/year> I have reviewed my credit report and believe the late payments associated with these accounts are inaccurate, incomplete, or can not be verified. In accordance with the Fair Credit Reporting Act ( FCRA ), I am exercising my legal rights under the following provisions : - 15 U.S.C. 1681i Reinvestigation of disputed information by consumer reporting agency - 15 U.S.C. 1681s-2 Responsibilities of furnishers of information - 15 U.S.C. 1681e Compliance procedures- 15 U.S.C. 1681c Reporting limitations- 15 U.S.C. 1681g Disclosures to consumers I am requesting that the credit bureaus ( Experian, Equifax, and TransUnion ) These reported late payments are inaccurate, incomplete, and not reflective of my actual payment activity. Pursuant to 15 U.S. Code 1666b of the Truth in Lending Act, a creditor may not treat a payment on a credit card account as late for any purpose unless the creditor has adopted reasonable procedures to ensure that periodic statements are mailed or delivered at least 21 days before the payment due date. 
Please verify and provide the followingXXXX. Proof that statements for the above months were delivered at least 21 days prior to the due date, as required by law. 
XXXX. Specific details regarding the payment due dates, the dates payments were received, and how the determination of delinquency was made. 
If this information can not be verified with documentation that complies with the Truth in Lending Act,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NV

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 XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

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 XXXXXX/XX/year>

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 2025-05-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am writing to explain the situation regarding a recent fraudulent transaction made through my XXXX account and the banks subsequent denial of my claim. 

I placed an order with a seller based in XXXX and paid {$5000.00} via XXXX Goods and Services option and an additional {$5000.00} via Friends and Family both at the sellers request. The seller persuaded me to use friends and family on half od the transaction. The total payment of {$10000.00} was for a bulk shipment of custom-made products. Despite repeated assurances and several delays, I never received the product, and the seller has since stopped responding or providing XXXX XXXX with any legitimate proof of shipment. 

This is a classic fraud scam : the seller took the funds and failed to deliver anything. I immediately reported the issue to XXXX and my bank, providing all evidence, including : Proof of payment and order agreement Communication showing the sellers delays and excuses No valid tracking or delivery confirmation Confirmation that no goods were received While XXXX denied my claim after the seller provided a fraudulent tracking number my bank Citi Bank has denied the claim as well, which I strongly disagree with. This was clearly an unauthorized or fraudulent transaction in the sense that I never received the product I paid for, and the seller engaged in deceptive business practices.

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 2025-05-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to file a formal complaint against the XXXX XXXX XXXX ( CRAs ) for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 15 USC 1681b ( a ) ( 2 ), which governs the permissible purpose of furnishing consumer reports.

The FCRA explicitly states : " A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I DID NOT provide any written authorization or written instructions to the CRAs to report or share my consumer report information. Despite this, my information has been disclosed, which constitutes a clear violation of the law.

Experian have violated my consumer rights. I am attempting to settle this inaccurate matter privately, NOW. I received a copy of my credit report and noticed account ( XXXX ) that needs to be immediately DELETED. It is as follows : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2025-05-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Im writing today because Ive noticed something concerning on my credit report, and Im respectfully requesting a formal investigation into it.

There is a late payment being reported on the account listed below that I believe is either inaccurate or unverifiable. I take my credit and financial responsibilities seriously, so seeing this kind of negative information is deeply disappointing and discouraging. 

The following accounts are reporting incorrectly : XXXX - XXXX XXXX XXXX XXXX XXXX  - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - Please remove late payment history and update it to paid as agreed I understand that mistakes can happen, and Im simply asking for this to be looked into properly. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i, I have the right to request a reinvestigation of information I believe to be inaccurate. Additionally, 15 U.S. Code 1681s-2 requires that information furnished to you must be accurate and verifiable. If the creditor can not prove that the late payment occurred as reported, I kindly ask that it be removed from my credit file.

Ive also attached a copy of my ID and a utility bill to verify my identity and address.

Im not asking for anything unreasonablejust a fair review under the law. Ive worked hard to rebuild my credit, and something like this can be a major setback. If this can not be fully verified, I respectfully request that it be corrected or deleted in accordance with 15 U.S. Code 1681e ( b ).

Thank you for taking the time to look into this. Id truly appreciate any effort to resolve the matter fairly and in a timely manner. Please send me the results of your reinvestigation once completed, as outlined in 15 U.S. Code 1681i ( a ) ( 6 ). 

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 2025-05-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Im writing today because Ive noticed something concerning on my credit report, and Im respectfully requesting a formal investigation into it.

There is a late payment being reported on the account listed below that I believe is either inaccurate or unverifiable. I take my credit and financial responsibilities seriously, so seeing this kind of negative information is deeply disappointing and discouraging. 

The following accounts are reporting incorrectly : XXXX - XXXX XXXX XXXX XXXX XXXX  - Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. - Please remove late payment history and update it to paid as agreed I understand that mistakes can happen, and Im simply asking for this to be looked into properly. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681i, I have the right to request a reinvestigation of information I believe to be inaccurate. Additionally, 15 U.S. Code 1681s-2 requires that information furnished to you must be accurate and verifiable. If the creditor can not prove that the late payment occurred as reported, I kindly ask that it be removed from my credit file.

Ive also attached a copy of my ID and a utility bill to verify my identity and address.

Im not asking for anything unreasonablejust a fair review under the law. Ive worked hard to rebuild my credit, and something like this can be a major setback. If this can not be fully verified, I respectfully request that it be corrected or deleted in accordance with 15 U.S. Code 1681e ( b ).

Thank you for taking the time to look into this. Id truly appreciate any effort to resolve the matter fairly and in a timely manner. Please send me the results of your reinvestigation once completed, as outlined in 15 U.S. Code 1681i ( a ) ( 6 ). 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-13 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume 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 explanation
Consumer complaint received 2025-05-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Subject : Formal Complaint Against American Express Threat-Based Credit Limit Review Despite Timely Payment To Whom It May Concern, I am writing to formally file a complaint against American Express for what I consider to be predatory, threatening, and psychologically coercive account management practices, as demonstrated in a notice I received on XX/XX/year> concerning my account ending in XXXX. 

Overview of the Issue : On XX/XX/year>, I made a payment of {$1300.00} toward my balance on the above-referenced account. Despite this good-faith action, I received an alarming notification from American Express stating that my account is under review for a potential credit limit reduction, unless I make an additional payment of {$1200.00} by XX/XX/year>. 

This message is not only misleading but also places consumers under undue psychological pressure, using fear of limit reduction and spending disruption to force further paymentsregardless of the consumers current payment standing. 

Specific Points of Concern : 1. Punitive Behavior After Payment I proactively made a large payment just weeks prior to this notice, and yet, rather than acknowledging or crediting my effort, American Express responded with a veiled threat of limit reduction.

2. Unclear Standards and No Transparency The message states the decision is based on credit scores and other credit bureau information, but no specific data or triggers are disclosed. This leaves consumers without any way to verify, appeal, or understand the decision-making process.

3XXXX XXXX XXXX XXXX XXXX The language used in the notice, such as make a payment now to avoid a reduction, is deliberately coercive. These tactics result in emotional duress, particularly for individuals already managing financial obligations responsibly.

4. Unjustifiable Account Reviews There is no evidence of misuse or delinquency on this account. A periodic review, especially after a recent payment, should not lead to threats of punitive action.

5. Temporary Disruptions to Spending The message also warns of temporary disruptions to your spending unless the payment is made, which functions as a form of leverage, rather than a customer service measure. It impacts not only the primary cardholder but also any authorized users.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-13 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: SC

Complaint narrative:
After a recent review of my consumer credit files from Experian and TransUnion, I discovered the presence of multiple unauthorized accounts and trade lines listed under the name XXXX XXXX XXXX and its derivatives. These accounts appear to have been created, reported, and furnished by financial institutions or third-party data furnishers without my knowledge, express consent, delegated authority, or any valid contractual agreement. At no point did I authorize the use of this registered business name or its derivatives to establish consumer credit accounts, incur financial obligations, or engage in securities-related transactions.

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