vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-18 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
State: NJ

Complaint narrative:
In XX/XX/year>, American Express charged an annual membership fee for my personal XXXX XXXX account ( annual membership fee {$690.00}, posted on XX/XX/year> ) .The account was in good standing with XXXX  enabled and no delinquency. 

On XX/XX/year>, American Express cancelled the account and sent an Account cancellation notice stating the account was cancelled due to indicia of misuse, and that the account would not be eligible for reinstatement and would not be eligible for Membership Rewards points redemptions. I strongly dispute any allegation of misuse. My spending pattern was normal, and I have used the American Express for more than five years. 

At the time of the annual fee statement, the Membership Rewards balance shown was approximately XXXX points.After cancellation, American Express blocked my ability to redeem the points and only sent an email that the annual fee would not be refunded, even though the account was cancelled shortly after the annual fee was charged. 

Actions taken : 1.I contacted American Express customer service multiple times by phone to request the specific reason ( s ) for the cancellation and what transaction ( s ) they believe constituted misuse. I was not provided any specific reason or evidence beyond generic statements.

2.I sent a written letter requesting a specific explanation and review in XXXX. I did not receive a substantive written response. 
3.I asked for escalation/review and for a refund of the annual membership fee due to cancellation shortly after renewal, but I was told the decision was final and the fee would not be refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-18 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: OH

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 2025-12-18 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:
I am writing to dispute the accuracy and completeness of the information provided by the credit bureaus regarding my credit file. The following accounts are in dispute, and I am requesting a thorough investigation into their reporting. Please review the listed accounts by each credit bureau for their accuracy under the Fair Credit Reporting Act ( FCRA ). 

Charged Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: RentDebt Automated Collections, LLC
State: TX

Complaint narrative:
RNT DEBT is falsely reporting on my credit. I have never had any accounts with them. Per my research RNT DEBT is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: TX

Complaint narrative:
THE LATE PAYMENT LISTED IS NOT VALID AND IS DISPUTED.

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 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/year>, I made a purchase in the amount of {$39.00} for a dress by XX/XX/XXXX. I have not received the product nor was I able to get in contact with the merchant apparently the company was it was a scam. I contacted Chime and filed a dispute to get my {$39.00} back and after over 15 days of waiting while they investigated, they denied and told me that it was a legitimate purchase. Although the purchase was made, the item was never received nor is there any way to contact the company to ask for a refund when I ask for the the documentation that they use to make the denial of my claim to receive my {$39.00} back chime refused to send!! Siding that there are claims analysis work off-line and emails have to be sent

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SinglePoint GI
State: MD

Complaint narrative:
Company is unreachable via telephone in order to request account updates for fair and accurate reporting

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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 information displayed seems off and incomplete. Im asking for a fresh review and the appropriate fixes.

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 2025-12-18 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 reviewed my Experian credit report and identified several negative accounts and collection items that are being reported inaccurately and without proper verification. These accounts include charged-off credit card accounts and collection accounts that either lack complete payment history, show inconsistent balances, or continue to report past-due amounts after charge-off without lawful authority. Some of these accounts were transferred, sold, or assigned to third parties, yet they are still being reported without clear documentation of ownership, chain of assignment, or proof that the reporting party has the legal right to collect or report the debt. Despite these inaccuracies, the information continues to be furnished in a manner that damages my credit profile. I have never been provided with full validation of these debts, nor with documentation demonstrating that the information reported meets the accuracy and completeness standards required under federal 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 explanation
Consumer complaint received 2025-12-18 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-18 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:
XXXX XXXX XXXX XXXX made XXXX hard credit inquiries on my XXXX  report ( XX/XX/XXXX and XX/XX/XXXX ) without my authorization or a permissible purpose. I did not apply for credit, services, or housing with this company. XXXX of the inquiries occurred after I requested debt validation, which does not authorize a hard inquiry. These inquiries are inaccurate, unauthorized, and damaging, and constitute violations of the FCRA. The use of hard inquiries appears retaliatory and coercive following my lawful request for debt validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: ND

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, it appears these items may be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue, yet the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened or reported without my authorization. These items are inaccurate and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively affected my ability to achieve important financial goals, including obtaining housing and providing for my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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: DE

Complaint narrative:
I have identified several accounts on my credit report that I do not recognize and did not authorize. Based on my review, it appears these items may be the result of identity theft or fraudulent activity. I previously notified the credit reporting agency of this issue, yet the unauthorized accounts continue to be reported. 

I am formally requesting the immediate removal of all accounts that were opened or reported without my authorization. These items are inaccurate and do not reflect my true credit history or financial responsibility. 

The continued reporting of these unauthorized accounts has caused substantial hardship and has negatively affected my ability to achieve important financial goals, including obtaining housing and providing for my family. I respectfully request that this matter be resolved promptly and in full compliance with the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: SC

Complaint narrative:
My bank account through chime was frozen with no explanation. And will not give me any ability to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens 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 2025-12-18 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: IN

Complaint narrative:
I am writing to dispute certain items on my credit report that I believe are inaccurate or incomplete. Below is a detailed breakdown of the accounts in dispute, separated by credit bureau. 

Charged Off Accounts XXXX : No accounts in dispute under this category. 

XXXX  : No accounts in dispute under this category. 

XXXX : No accounts in dispute under this category. 

Inquiries XXXX  : XXXX XXXX XXXX XXXX, Date : XX/XX/year> XXXX XXXX XXXX XXXX, Date : XX/XX/year> I request that you review these accounts, investigate the discrepancies, and correct any errors accordingly. I also request that you provide confirmation once the necessary corrections have been made.

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 2025-12-18 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: NC

Complaint narrative:
I am disputing inaccurate and unverifiable credit reporting for the XXXX student loan accounts listed below. 

These accounts report materially different delinquency severities across consumer reporting agencies, including 120-day late status on some bureaus and 180-day late status on others. The same account can not be both 120 and 180 days delinquent at the same time. 

Additionally, the accounts are marked Transferred/ Closed due to transfer with a {$0.00} balance, yet late payments are being reported after the transfer date. 

Because the reported information is contradictory and unverifiable, it does not meet the Fair Credit Reporting Act requirement for maximum possible accuracy. Pursuant to 15 U.S.C. 1681i ( a ) ( 5 ), unverifiable information must be deleted.

Accounts in dispute : XXXX  Account # : XXXXXXXX XXXX XXXX XXXX Account # : XXXXXXXX XXXX XXXX  Please delete these tradelines from my credit file.

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 2025-12-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have found these unverified items on my credit report and I'm asking for these items to be removed as it will affect my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-18 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: FL

Complaint narrative:
I am submitting this complaint regarding Equifaxs reporting of inaccurate and unverified information on my credit file. Despite my rights under the Fair Credit Reporting Act, Equifax continues to report items that are inaccurate, not properly verified, or reported without permissible purpose. I am requesting CFPB assistance to ensure Equifax conducts a lawful and complete reinvestigation and corrects my credit report. 
Equifax is reporting the account XXXX XXXX, opened on XX/XX/XXXX, with a reported high balance of {$570.00}, as having late payment history. This late payment reporting is inaccurate. I am disputing only the incorrect late payment information associated with this account and am requesting that Equifax correct the reporting to reflect accurate payment history after a proper reinvestigation. 
Equifax is also reporting the account XXXX XXXX XXXX, opened on XX/XX/XXXX, with a reported high balance of {$720.00}, as having late payment history. This reporting is inaccurate and does not reflect correct payment performance. I am not disputing the existence of the account itself, only the inaccurate late payment information, and I am requesting correction following a lawful reinvestigation. 
Additionally, Equifax is reporting the account XXXX XXXX XXXX  XXXX, opened on XX/XX/XXXX, with a reported high balance of {$1900.00}, as a charge-off. I have no knowledge of this account, I do not recognize it, and it is not mine. Since this account can not be verified as belonging to me, Equifax must conduct a proper investigation and delete or correct this account as required by the Fair Credit Reporting Act. 
Equifax is also reporting an unauthorized hard inquiry. The XXXX XXXX hard inquiry dated XX/XX/XXXX was not authorized by me and does not reflect permissible purpose. This inquiry must be removed unless Equifax can provide documented proof of authorization. 
I am requesting that the CFPB require Equifax to comply with the Fair Credit Reporting Act by conducting a complete and lawful reinvestigation, correcting inaccurate late payment reporting, deleting unverifiable charge-off information, and removing unauthorized hard inquiries. If Equifax can not fully verify any disputed item, it must be removed from my credit report. 
I respectfully request CFPB assistance to ensure this matter is resolved properly and that my credit report reflects only accurate, verifiable, and lawfully reported information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-18 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:
Both the bureau and furnishers are in violation of 15 U.S.C. 1681s-2 ( b ) for failing to properly investigate and correct false information after disputes.

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 2025-12-18 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: TX

Complaint narrative:
I am not tied to these accounts and didnt okay their creation. Please investigate and delete them. Documents are enclosed.

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 2025-12-18 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: CT

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