vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I have made numerous attempts to access my consumer credit report from Experian via XXXX and have been unable to access my reports. Prior to the onset of this seemingly perpetual issue, several years ago, in XXXX, I was in contact XXXX XXXX, Senior Regulatory Affairs Associate at Experian due to their failure to remove inaccurate information. Clearly this company has an established pattern of reporting wrong information which adversely impacts individual consumers. 

The purpose of my complaint today, specifically, I was denied my own consumer credit report, by Experian on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The message is always generic, something along the lines of technical difficulties or. Today, I was asked to provide a phone number, which I did, The Experian response was to flash a message across the screen indicating the called XXXX with a code to access my own consumer credit report and file. They never called. 

I am XXXX, past XXXX and exhausted from the constant battle with CRAs about my own personal information which I never gave them permission to collect or report to anyone in the first place. 

In the past year I have been a victim of identity theft after my personal information was contained in multiple data breaches, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to name a few. From XXXX when the massive Equifax Data Breach to present day my information has been on the dark web and my identity monitoring constantly sends notifications that my name, SSN, address and / or email have been found on the dark web. 

I should not have to constantly find myself at the mercy of corporate entities who fail consistently to protect my personal information nor should I or any consumer be continuously subjected to denial of access to their own information by corporations that never received written permission to report any information, report inaccurately, and refuse to correct their errors. this impacts me in multiple ways, including my ability to buy a vehicle, get a mortgage or even approved for an apartment. The constant stress and anxiety of this is indescribable. 

My next course of action is to sue Experian and the other CRAs individually and collectively, which seems to be the only recourse for corrective action considering the number of lawsuits currently pending against Experian alone.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have made numerous attempts to access my consumer credit report from Experian via XXXX and have been unable to access my reports. Prior to the onset of this seemingly perpetual issue, several years ago, in XXXX, I was in contact XXXX XXXX, Senior Regulatory Affairs Associate at Experian due to their failure to remove inaccurate information. Clearly this company has an established pattern of reporting wrong information which adversely impacts individual consumers. 

The purpose of my complaint today, specifically, I was denied my own consumer credit report, by Experian on the following dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

The message is always generic, something along the lines of technical difficulties or. Today, I was asked to provide a phone number, which I did, The Experian response was to flash a message across the screen indicating the called XXXX with a code to access my own consumer credit report and file. They never called. 

I am XXXX, past XXXX and exhausted from the constant battle with CRAs about my own personal information which I never gave them permission to collect or report to anyone in the first place. 

In the past year I have been a victim of identity theft after my personal information was contained in multiple data breaches, including XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to name a few. From XXXX when the massive Equifax Data Breach to present day my information has been on the dark web and my identity monitoring constantly sends notifications that my name, SSN, address and / or email have been found on the dark web. 

I should not have to constantly find myself at the mercy of corporate entities who fail consistently to protect my personal information nor should I or any consumer be continuously subjected to denial of access to their own information by corporations that never received written permission to report any information, report inaccurately, and refuse to correct their errors. this impacts me in multiple ways, including my ability to buy a vehicle, get a mortgage or even approved for an apartment. The constant stress and anxiety of this is indescribable. 

My next course of action is to sue Experian and the other CRAs individually and collectively, which seems to be the only recourse for corrective action considering the number of lawsuits currently pending against Experian alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: NY

Complaint narrative:
I requested the permanent deletion of the information in question, in accordance with the Fair Credit Reporting Act. A hard inquiry not initiated or authorized by me. Under FCRA 604 ( a ) ( 3 ), a consumer reporting agency may only furnish a report when a permissible purpose exists, such as a credit transaction that I initiated or gave written permission for. The address is not affiliated with me. I have never resided at or used this address for any financial, personal, or professional reason. Per FCRA 611 ( 15 U.S.C. 1681i ), I have the right to dispute and request the correction or deletion of inaccurate identifying information.

The charged-off account contains inaccurate and/or unverifiable information. I have no knowledge of this account, nor have I ever received any benefit or services in connection with it. The balance, dates, and status appear to be erroneous. If the creditor and the credit bureaus can not validate this account with accurate and documented proof, then under FCRA 611, this account must be corrected or permanently XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX Date of inquiry : XX/XX/year> XXXX XXXX  XXXX Date of inquiry : XX/XX/year> XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NC

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For past 4 years I have repeatedly tried to file disputes on same collection accounts and loans with TransUnion, Experian, and Equifax. Years back I had bad case of identity theft. I made ftc reports and police reports and promptly sent notification for deletion to all three reporting agencies and all companies included in the fraud. Some accounts were deleted and later added again. Most just stayed even with no validation. Under Fair Credit Reporting they are legally required to removed such accounts but have refused again and again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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:
For past 4 years I have repeatedly tried to file disputes on same collection accounts and loans with TransUnion, Experian, and Equifax. Years back I had bad case of identity theft. I made ftc reports and police reports and promptly sent notification for deletion to all three reporting agencies and all companies included in the fraud. Some accounts were deleted and later added again. Most just stayed even with no validation. Under Fair Credit Reporting they are legally required to removed such accounts but have refused again and again.

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 2025-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/year>, I attempted to transfer {$5000.00} from a Chase account to my XXXX XXXX Account. I never received funds into my XXXX XXXX account. I first attempted to call on XX/XX/year> when I was looking over my accounts. I did my work in checking with my dad ( who is the primary account holder ) I also checked with XXXX XXXX to see if they had put it on hold. I had done the transaction over the phone because it first had notified me of fraud. So the person who helped me unfreeze my account said I can make the transaction while on the phone with them. 
I have put in 4 claims and apparently all the ends were cut off and I never had a fully open claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
A debt collection agency is reporting a debt to credit bureaus that I do not owe and was never authorized by me to collect. They are collecting on behalf of another comapny, but I never entered into any agreement with Transworld Systems Inc. ( TSI ), nor have they provided sufficient legal proof of their authority or assignment. They sent me alleged 'validation ' Via Email, NOT MAIL! which does not include a signed contract or verifiable chain of title to the debt. I am formally disputing this debt and demand deletion from my credit report. 
I am filing a formal complaint against Transworld Systems Inc. ( TSI ) regarding a debt they claim to be collecting on behalf of XXXX XXXX XXXX XXXX in the amount of {$1100.00}. I do not recognize this debt, nor have I authorized TSI to collect any such debt on my behalf or enter any agreement with them. I have not received adequate legal validation under the Fair Debt Collection Practices Act ( FDCPA ), such as a signed agreement or itemized billing FROM TSI ONLY since they are the ones trying to collect sadid debt. The materials they provided do not prove their legal right to collect, nor do they demonstrate proper chain of custody from the original creditor.

Furthermore, TSI has reported this unverifiable debt to credit bureaus, damaging my credit and violating my consumer rights. I sent a dispute, and they replied acknowledging the dispute but have not removed the account or ceased collection. Instead, they claimed to " mark it as disputed '' which is insufficient as the debt is not legally verifiable. 

This collection is causing ongoing harm to my credit and finances, and I am requesting the CFPB to investigate TSIs collection practices and demand the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Issue : Credit card dispute resolved unfairly unauthorized charge upheld after merchant failed to respond.

Description : American Express XX/XX/year>, approved a {$20000.00} credit line for me to purchase a vehicle. Based on this, I went to XXXX XXXX and paid a {$2000.00} deposit. Shortly after, American Express froze my account for over 48 hours, then requested more documents, and finally reduced my credit limit to {$4400.00} without notice. This caused the transaction to fall through and I lost the {$2000.00} deposit.

I filed a dispute, and American Express told me that if the merchant didnt respond by XX/XX/XXXX, the case would be resolved in my favor. The merchant didnt respond by that date. However, after the deadline, the {$2000.00} charge was reapplied to my account, without clear justification or explanation.

I have contacted them multiple times with no satisfactory resolution. This has caused serious financial harm and violates the terms they initially communicated. I have also submitted a formal appeal letter and still received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: IA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: CA

Complaint narrative:
I accidentally overdosed on my medication. The beginning of XXXX and was XXXX  until the end of XXXX almost and my money wasnt in my account anymore when I came to. My daughter had been taking care of me and she had my phone and wallet. I have sent the only proof I have stating that it wasnt me who did XXXX worth of transactions and discover bank only refunded XXXX then they say I did the rest of the transactions and I have a written statement from my daughter stating she stole my money. However they have not returned the money to me and I have asked them and sent them the statements from the witnesses saying I was not capable to do those transactions at that time. I really need that money back because Im very low income and now its making it to where Im getting behind on my rent. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: NJ

Complaint narrative:
Reporting ads Charge Off not accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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 2025-07-22 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: Early Warning Services, LLC
State: CA

Complaint narrative:
Chex Systems has been buying and selling my personal information for financial gain for the past several years. This is identity theft. I need them to remove everything immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have encountered difficulties accessing my [ Experian ] account and was instructed to send identification documents for verification. Despite providing clear and legible documentation, I am still unable to access my account. This is why I escalated the matter through the CFPB.

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