vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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:
I am filing a complaint to formally dispute certain information in my credit report. The items I am disputing are inaccurate, incomplete, and/or unverifiable and should be removed under the Fair Credit Reporting Act ( FCRA ). 
Please investigate the following accounts and remove them from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$60.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX  Balance : {$970.00} 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 explanation
Consumer complaint received 2025-06-03 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:
I recently reviewed my credit report and noticed inaccuracy on a late payment. I have reviewed my records and confirmed that the payment was not 30 days late. I have attached supporting documentation to verify this, including screenshots of bank statements/ payment confirmations. 
Account -XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information I believe to be inaccurate. I am requesting that this late payment be investigated and, if found to be inaccurate, promptly removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMEX has failed to conduct a proper investigation. They have violated 15 usc 1681s- 2b A-E and they have not even considered all relevant information regarding the dispute because the inaccuracies are all the same still. This account was also not even marked as disputed on my credit reports so this is a clear indication that these disputes were not processed correctly. This is a violation of 1681n and 1681o for being negligent and willfully non compliant. These debts are also been securitized in a trust so ( Original creditors name ) does not even own the debt anymore. Which is another inaccuracy for putting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: AR

Complaint narrative:
1 ) On XX/XX/XXXX I booked the 2nd of 2 reservations with XXXX XXXX ( XXXX ) on my Citibank credit card ( Citi ) 2 ) On XX/XX/XXXX XXXX XXXX charges began to show up on my Citibank card twice - # 1 for {$1500.00} ( XXXX ) and # 2 ( XXXX ) for {$1700.00} for my wife XXXX XXXX ( XX/XX/XXXX ). 
3 ) On XXXX I opened a Citi dispute to the {$1500.00} charge after XXXX XXXX could not find where they double-charged me 4 ) On XXXX Citibank sent the letter stating that they were closing the dispute for {$1500.00} because XXXX XXXX had rejected the claim. 
5 ) XX/XX/XXXX I opened a second dispute, this time for the {$1700.00} 6 ) On XX/XX/XXXX I was able to get XXXX to verify that they were accepting my dispute, and they sent the verification email with the reference number XXXX after they realized they had made a mistake. This email was from XXXX XXXX XXXX ( XXXX ). I had to get the XXXX XXXX resolution team ( XXXX XXXX, XXXX ) involved to get this far. 
7 ) Also on XX/XX/XXXX, I forwarded the email from XXXX XXXX to Citi for claim XXXX 8 ) On XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX called me to inform me that they had already paid the dispute. There was nothing else they could do for me. I then called Citibank customer service and was on the phone with them for more than XXXX minutes, and they refused to do anything else to resolve the issue. They claimed that XXXX rejected the claim and the case was closed. They had no record of XXXX accepting the dispute nor refunding the {$1500.00} claim. I replied to both parties on a single email stating my frustration about the situation and that I would be filing a complaint with CFPB. I got no response from either party. 
9 ) The {$1700.00} claim remains open, but XXXX said they will reject that claim because they already paid {$1500.00} claim. 
10 ) I have paid over {$5000.00} for a {$3400.00} cruise.

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 monetary relief
Consumer complaint received 2025-06-03 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: TX

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-03 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: TX

Complaint narrative:
Upon reviewing my credit report, I discovered several accounts that I did not open and believe to be the result of identity theft. These accounts are fraudulent and are negatively affecting my credit standing. I respectfully request that these unauthorized accounts be investigated and removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXXXXXX XXXX  Dispute & Legal Notice Packet Prepared for : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX, PA XXXX Date : XX/XX/year> Email : XXXX Phone : ( XXXX ) XXXX 1. CFPB Complaint Summary XXXX XXXX has failed to properly validate a disputed debt. I submitted a dispute in writing on XX/XX/year>, and on XX/XX/year>, they responded with a contract and transaction history, but failed to provide a full itemized breakdown, proof of chain of custody, or clear explanation of how the balance is calculated. This does not meet the legal standard for validation under the FDCPA. 
Despite these issues, the debt continues to be reported to XXXX Experian, and XXXX I am requesting the deletion of this unverified and improperly documented account. If this is not resolved promptly, I will seek legal remedies. 
2. Cease and Desist Letter ( Sent ) On XX/XX/year>, a cease and desist letter was sent to XXXX XXXX instructing them to cease all direct contact and collection efforts due to their failure to properly validate the debt. Under FDCPA Section 805 ( c ), this communication legally bars further attempts to collect without full validation.

3. Method of Verification ( MOV ) Letters Sent On XX/XX/year>, MOV letters were sent to XXXX  Experian, and XXXX requesting the method of verification for the XXXX XXXX account. As of this date, no sufficient documentation has been provided to justify continued reporting of the debt. 
4. Notice of Intent to Sue This notice was sent to XXXX XXXX on XX/XX/year>, advising that if they fail to delete the unverified debt from all credit bureaus within 15 days, legal action will be pursued under FDCPA 813 and FCRA 616-617. XXXX has been notified of their noncompliance and provided with all required documentation

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 2025-06-03 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:
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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-06-03 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: MS

Complaint narrative:
The wrong info in my credit reports makes it tough to get new credit. Errors confuse lenders and give a false idea of my creditworthiness. This hurts my financial reputation. I'm formally asking to correct and remove these mistakes from my reports. It's vital for lenders to see my true financial status for fair evaluations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX, I purchased an American Express Gift Card with a {$400.00} balance in XXXX XXXX  The card number ends in * * * * XXXX, and the expiration date is XX/XX/XXXX. 

At first, the card worked. I used it for a small purchase at a supermarket and successfully added it to XXXX XXXX. I even used it to access the subway in XXXX XXXX 

However, starting XX/XX/XXXX, the card stopped working. I attempted multiple times to use it in stores ( including XXXX, XXXX, and a restaurant ), and it was declined every time. I also tried to use the card online ( XXXX, XXXX, XXXX ), and all attempts failed. 

I called the number on the back of the card with the help of a store employee, and American Express support told me that the card was defective and that they would send a new one to my hotel in XXXX business days. But my check-out is XX/XX/XXXX, and I will leave the United States XXXX 

I asked for confirmation if my card is activated, and if the funds are truly available. I also requested support to use the funds online to cover food and transportation, since I no longer have any cash. 

So far, no working solution has been given. I feel trapped, and the situation is urgent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I am disputing a debt that a collection agency is attempting to collect and report to the credit bureaus. I requested validation of the debt, including documentation such as invoices, lease agreements, inspection reports, or photo evidence to justify the charges. The collection agency openly admitted that they do not have any supporting documentation, only a copy of the landlords final ledger listing charges. 

Despite this admission, they have continued to attempt collection and have reported this unverifiable debt to my credit report. This is causing harm to my ability to obtain housing and negatively affecting my credit standing. Under the FDCPA, they are required to cease collection efforts and reporting unless they can fully validate the debt, which they can not. Under the FCRA, furnishing unverified or inaccurate information is unlawful. 

I am requesting that the CFPB investigate this collection agency for : Failing to validate the debt under 15 U.S.C. 1692g ; Continuing to collect and report an unverified and disputed debt ; Causing harm through false credit reporting in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: Security Credit Services, LLC
State: TX

Complaint narrative:
Under USC 1682 section 602, I have a right to privacy. A consumer reporting agency can not furnish an account without my instructions. Under 15 USC 1666B, a creditor may not consider a payment on a credit card account as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exsits. ( please remove these accounts before i seek litigation for defamation of character ) XXXX XXXX {$3100.00}, XXXXXXXX XXXX XXXX  {$0.00}, XXXX XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXX XXXX  {$16000.00}, XXXX XXXX XXXX XXXX {$420.00}, XXXX XXXX XXXX XXXX  {$820.00}, XXXX XXXX XXXX XXXX  {$190.00}, XXXX XXXX {$1600.00}

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 2025-06-03 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: OH

Complaint narrative:
I am submitting this complaint regarding the reporting practices of XXXX XXXX XXXX  concerning a closed line of credit ending in... XXXX. 

This account was opened on XX/XX/XXXX, with a credit limit of {$100.00}. The high balance reported was {$250.00}. The last payment was made on XX/XX/XXXX, and the account was closed on XX/XX/XXXX. As of the most recent credit report dated XX/XX/XXXX, the account shows a {$0.00} balance. 

This account was included in a bankruptcy filing and should have been updated to reflect that it was discharged and included in bankruptcy. However, the account was inaccurately reported and only later changed to " paid, closed, and included in bankruptcy. '' This correction occurred only after multiple disputes. 

I am requesting that this account be fully removed from my credit report or permanently and correctly updated to reflect that it was paid, closed, and discharged in bankruptcy. Continued reporting may constitute inaccurate or misleading information in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Under the FCRA, I have the right to have information that is inaccurate, incomplete, or unverifiable removed or corrected in a timely manner. XXXX XXXXXXXX XXXX delayed and inconsistent reporting has negatively affected my credit standing and ability to obtain new credit. 

I am requesting a full investigation and resolution. Please confirm that the account is either removed or permanently corrected on all credit reports with all nationwide credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : Inaccurate Addresses : XXXXXXXX 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 Balance : {$3400.00}. 

Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Ceaseanddesistasap.

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 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX, we applied for a debt consolidation loan and intended to use our vehicle as collateral. As part of the loan process, we contacted the XXXX XXXX XXXX XXXX XXXX ( XXXX ) to obtain a copy of the vehicle title. At that time, we were informed that the vehicle still shows an active XXXX held by Huntington Bank, despite the loan being fully paid off. 

The auto loan was paid off in full on XX/XX/XXXX and we initially requested a lien release letter from the bank on XX/XX/XXXX. Since then, more than 2 months have passed, and the XXXX remains unreleased both on paper and in the XXXX system. Multiple follow-ups to the bank have resulted in no resolution. 

This delay directly caused our debt consolidation loan application to expire, as we were unable to provide proof of clear title by the required deadline. We are now being forced to restart the entire application process from the beginning, including another credit check, which may negatively affect our credit score.

Company response to consumer: Closed with non-monetary relief