vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
Subject : Credit card account closed without proper notice, despite long-standing customer status and good standing. 

I have been a loyal American Express XXXX XXXX member since XXXX ( over XXXX years ). On XX/XX/XXXX, I received a sudden and unexpected email from American Express stating that my card had been cancelled due to XXXX months of inactivity. I was never previously informed, verbally or in writing, that failure to use the card for XXXX months could result in cancellation. 

Over the years, I have never missed a payment or had any delay in fulfilling my obligations. I have always paid my annual fee on time, even during times when I wasnt actively using the card. Most recently, I have been in XXXX since XX/XX/XXXX due to serious family health matters, including the death of my wife 's father in XX/XX/XXXX which made returning to the XXXX and resuming my regular financial activity impossible. 

Despite this, and despite multiple calls to customer service during which I was never warned about the risk of cancellation my card was terminated without any prior notice. When I called to dispute the closure, I was told that while this cancellation shouldnt have happened and was not intended, there was nothing they could do because the company had the contractual right to cancel it. However, when I requested a copy of the original contract I signed in the early XXXX, American Express admitted they could not locate or produce it. 

This lack of transparency, failure to provide due notice, and refusal to remedy the issue has caused significant distress. The card represents a long-standing relationship and a credit history Ive worked XXXX to maintain in excellent standing. The abrupt cancellation without warning or opportunity to remedy the issue is unfair and likely in violation of consumer protection standards. 

I respectfully request the reinstatement of my American Express XXXX XXXX account with the same terms and credit history intact. I also request that American Express provide written clarification of its cancellation policies in my contract and explain why no notification was given prior to terminating my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Experian, This account was charged off on XX/XX/year>. Since then, the account has repeatedly been updated with balance due every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly after I asked you to do it TWICE, and your neglect has violated my rights! I am demanding a deletion of the following Account name : XXXX Account number : 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 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The credit company did not fixed the problem after several times that I submitted a dispute for missing information from the original company report the negative report. It been 7 years since it appeared on my credit report

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 2025-04-14 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
The credit company did not fixed the problem after several times that I submitted a dispute for missing information from the original company report the negative report. It been 7 years since it appeared on my credit report

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 2025-04-14 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: Nelnet, Inc.
State: VA

Complaint narrative:
My personal and financial data was compromised violating FERPA. I request full cancellation of my student loan debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I disputed an account reported by XXXX XXXX XXXX XXXX XXXX Maryland ( account ending in XXXX ) with Experian, as it contains inaccurate, misleading, and potentially re-aged information. Experian responded that the account was " verified, '' but failed to provide any documentation or methodology used to verify the dispute. 

The account was closed in XX/XX/XXXX and marked as charged off, but Experian updated the balance and marked it as past due as of XX/XX/XXXX, almost XXXX years after the last payment. This could constitute illegal re-aging under FCRA 605 ( c ), which prohibits furnishing information with an inaccurate " date of first delinquency. '' The account also reflects charged-off and past due simultaneously, which is contradictory and misleading. A charged-off account should not continue to accrue past-due status unless it has been reopened or re-aged. 

I requested documentation proving the validity of this account and the method used to verify it, as allowed under FCRA 611, and Experian failed to provide this information.

This ongoing inaccurate reporting is harming my creditworthiness and appears to be in violation of federal law. I am requesting the CFPB to investigate and compel Experian and the creditor to : Provide documentation proving the account 's accuracy.

Provide the original date of first delinquency.

Remove the account if they can not prove full compliance with the FCRA and furnishers responsibilities under FCRA 623.

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 2025-04-14 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX regarding account # XXXX for inaccurate and harmful reporting. Although the account is marked as 'Current / Terms Met ' and 'In Good Standing, ' it falsely reports '0 % of payments made on time ' and two 30-day late paymentsone in XX/XX/XXXX and one in XX/XX/XXXX. This is contradictory, misleading, and materially false. Additionally, the report lists 'Worst Payment Status : Unknown, ' which is both inaccurate and noncompliant with federal law. I formally disputed the account in XX/XX/XXXX, and it remained unchanged despite obvious errors. 
TILA Challenge and 21-Day Notice Requirement Under the Truth in Lending Act ( TILA ), Section 1637 ( b ), a creditor must provide a periodic billing statement that is clear and mailed or delivered at least 21 days before the payment due date. If such a statement is not properly delivered, a reported late payment may be invalid and unlawful. Despite disputing the XX/XX/XXXX and XX/XX/XXXX late payments, they were verified without any evidence or disclosure of compliance with this requirement. I was never shown proof that XXXX mailed or delivered these billing statements 21 days in advance. Therefore, I am demanding that these late payments be immediately deleted under TILA 1637 ( b ) and FCRA compliance, as they are unsupported and harmful.

Violations of Law 1. FCRA 1681e ( b ) Inaccurate and contradictory reporting : '0 % on-time ' despite the account being listed as current.

2. FCRA 1681s-2 ( a ) False payment history and worst status representation.

3. FCRA 1681i ( a ) ( 5 ) Failure to correct or delete inaccurate information after reinvestigation.

4. FCRA 605B Failure to block false data after receiving sworn affidavit and supporting 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 2025-04-14 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: FL

Complaint narrative:
I am filing this complaint against XXXX ( XXXX XXXX XXXX XXXX XXXX regarding account # XXXX for inaccurate and harmful reporting. Although the account is marked as 'Current / Terms Met ' and 'In Good Standing, ' it falsely reports '0 % of payments made on time ' and two 30-day late paymentsone in XX/XX/XXXX and one in XX/XX/XXXX. This is contradictory, misleading, and materially false. Additionally, the report lists 'Worst Payment Status : Unknown, ' which is both inaccurate and noncompliant with federal law. I formally disputed the account in XX/XX/XXXX, and it remained unchanged despite obvious errors. 
TILA Challenge and 21-Day Notice Requirement Under the Truth in Lending Act ( TILA ), Section 1637 ( b ), a creditor must provide a periodic billing statement that is clear and mailed or delivered at least 21 days before the payment due date. If such a statement is not properly delivered, a reported late payment may be invalid and unlawful. Despite disputing the XX/XX/XXXX and XX/XX/XXXX late payments, they were verified without any evidence or disclosure of compliance with this requirement. I was never shown proof that XXXX mailed or delivered these billing statements 21 days in advance. Therefore, I am demanding that these late payments be immediately deleted under TILA 1637 ( b ) and FCRA compliance, as they are unsupported and harmful.

Violations of Law 1. FCRA 1681e ( b ) Inaccurate and contradictory reporting : '0 % on-time ' despite the account being listed as current.

2. FCRA 1681s-2 ( a ) False payment history and worst status representation.

3. FCRA 1681i ( a ) ( 5 ) Failure to correct or delete inaccurate information after reinvestigation.

4. FCRA 605B Failure to block false data after receiving sworn affidavit and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I am writing to formally request your assistance regarding a medical collection account that continues to appear on my credit report in violation of recently enacted consumer protection laws. 

The account in question is being reported by : Name : XXXX XXXX XXXX Address : XXXX, OH XXXX Phone Number : ( XXXX ) XXXX Original Creditor : XXXX XXXX Family and Cosmetic I submitted a dispute to the credit bureaus regarding this account, citing the updated federal law that mandates the removal of all medical collection debt from consumer credit reports as of XX/XX/year>. This includes paid and unpaid medical collections, per the new policy. 

However, on XX/XX/year>, the credit bureaus concluded their investigation and stated that the account had been verified, with the following notations : Experian : Account previously in dispute, investigation complete, reported by data furnisher.

TransUnion and Equifax : Also confirmed the account as verified.

This response is deeply concerning, as the collection clearly falls under the category of medical debt, which per the new law, should have been removed from my credit file. I respectfully request that the CFPB review this matter and ensure compliance with the new federal guidelines regarding the reporting of medical debt.

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 2025-04-14 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: MA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian, TransUnion & Equifax has failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where said companies has corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian, TransUnion and Equifax 's inaction violates federal law and my rights as a consumer. 

. 

This has been an ongoing issue for several years, and despite repeated disputes, the inaccurate information remains on my credit report. I am requesting that a full investigation be conducted, and that these fraudulent or erroneous entries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

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 2025-04-14 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: TX

Complaint narrative:
Experian, TransUnion & Equifax has failed to fulfill their legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where said companies has corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts as Experian, TransUnion and Equifax 's inaction violates federal law and my rights as a consumer. 

. 

This has been an ongoing issue for several years, and despite repeated disputes, the inaccurate information remains on my credit report. I am requesting that a full investigation be conducted, and that these fraudulent or erroneous entries be removed immediately in accordance with the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To whom it may concern, I am writing to express my concerns regarding Equifaxs investigation into my disputes of inaccurate information on my credit report, which I believe has not been conducted fairly or in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that consumer reporting agencies, such as Equifax, conduct reasonable and thorough investigations into disputed information to ensure accuracy. I am requesting a proper investigation into the inaccuracies I have previously reported, as mandated by federal law. 

The persistent presence of incorrect information on my credit report is causing me significant stress and negatively impacting my well-being. I note that the Consumer Financial Protection Bureau recently took legal action against Experian for failing to properly investigate disputes and adhere to Metro 2 compliance regulations. Such inadequate investigations undermine consumer trust and violate legal standards. I urge Equifax to avoid similar sham investigations and to review my disputes with the diligence required under the FCRA.

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 2025-04-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To whom it may concern, I am writing to express my concerns regarding Equifaxs investigation into my disputes of inaccurate information on my credit report, which I believe has not been conducted fairly or in compliance with my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that consumer reporting agencies, such as Equifax, conduct reasonable and thorough investigations into disputed information to ensure accuracy. I am requesting a proper investigation into the inaccuracies I have previously reported, as mandated by federal law. 

The persistent presence of incorrect information on my credit report is causing me significant stress and negatively impacting my well-being. I note that the Consumer Financial Protection Bureau recently took legal action against Experian for failing to properly investigate disputes and adhere to Metro 2 compliance regulations. Such inadequate investigations undermine consumer trust and violate legal standards. I urge Equifax to avoid similar sham investigations and to review my disputes with the diligence required under the FCRA.

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 2025-04-14 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: IN

Complaint narrative:
On all of my students loans reported on my account my personal and financial data was compromised violating FERPA. I request full cancellation and have it removed from my report. 

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 2025-04-14 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:
On all of my students loans reported on my account my personal and financial data was compromised violating FERPA. I request full cancellation and have it removed from my report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-14 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:
On all of my students loans reported on my account my personal and financial data was compromised violating FERPA. I request full cancellation and have it removed from my report. 

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 non-monetary relief
Consumer complaint received 2025-04-13 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: MN

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation