vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-17 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: PA

Complaint narrative:
I am a victim of identity theft. I am writing to request that you remove the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place, I also have no knowledge of any suspects. I did not consent to, authorize nor benefit from any of the following accounts. I also did not receive any money, goods, or services as a result of identity theft. Please investigate and remove all fraudulent inaccurate accounts as I have no knowledge of any of these accounts due to the Equifax data breaches or Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: VA

Complaint narrative:
After reviewing my credit report, I am concerned to see a late payment notation, even though I have never missed a payment.

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 2025-11-17 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: AR

Complaint narrative:
I am submitting this complaint because as I reviewed my credit report, I discovered serious reporting inaccuracies that violate multiple provisions of the Fair Credit Reporting Act, including FCRA 607 ( b ) requiring maximum possible accuracy, 611 ( a ) guaranteeing my right to dispute incorrect information, 623 ( a ) ( 1 ) ( A ) imposing a duty on furnishers to provide only accurate and fully verified data, and 623 ( a ) ( 5 ) requiring proper reporting of the Date of First Delinquency. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : XXXX XXXX not reported in EQ and TU XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX  XXXX not reported in EQ and TU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : XXXX XXXXXXXX not reported in TU XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$680.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$35000.00} XXXX XXXX XXXX -- Balance Owed : {$18000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$4000.00} obligation under FCRA 623 ( a ) ( 1 ) ( A ) as well as my right to receive full and accurate disclosures under 609 ( a ). Together, these errors paint a false and damaging picture of my creditworthiness, and therefore, I am requesting a full reinvestigation under FCRA 611, the deletion of any unverifiable or outdated derogatory information, the correction of any tradelines that can not substantiate with accurate DOFD and updated reporting, removal of the incorrect address, and the verification of the collection account to ensure that it complies fully with 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 2025-11-17 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:
Upon scrutinizing my credit report, I am troubled to find a late payment notation, despite having no instances of late payments.

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 2025-11-17 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: CA

Complaint narrative:
Complaint Against : American Express I am filing a complaint because American Express has failed to properly handle a billing dispute for recurring vendor charges that I attempted to cancel. The vendor was unreachable calls were unanswered, no email was available, and I could not access my account to cancel the service. 

I notified American Express multiple times that the charges were unauthorized and asked them to stop the vendor from billing my account. I was told repeatedly that nothing could be done and that I must resolve it with the vendor. The charges continued, and my balance increased due to fees and late payments that I did not consent to. 

American Express has been investigating for months with no written updates, no case number, and no resolution. Every time I call, the agents tell me a different story and send me back to the starting point. 

This issue caused my credit score to drop significantly ( from XXXX to XXXX ) because Amex reported multiple late payments even while the account is in dispute, which violates the Fair Credit Billing Act.

I am requesting CFPB intervention to : 1. Require Amex to complete the dispute investigation 2. Remove all incorrect late payments from my credit reports 3. Remove all unauthorized charges and fees 4. Provide written communication and a case number Thank you for your assistance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: TX

Complaint narrative:
On XXXX of XXXX  app {$2000.00} for a helmet and they never gave me. Even though the company I was buying the helmet from XXXX XXXX  emailed me stating they were going to send me a refund but it was gon na take a few weeks. I was two months ago now they just adding more things on there giving me different reasons why they cant send me the refund. They are telling me that it takes a long time to process the refund. But what they are trying to do is wait until the statute of limitations are up in a few days. And now XXXX are telling me that it takes a long time to process the refund. But what they are trying to do is wait until the statue of limitations are up in a few days. I dont understand why cash app can not just give me the money I had sent them back considering they have already admitted to it.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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 submitting this complaint regarding multiple inaccuracies and improper reporting practices appearing on my credit file that violate my rights under the Fair Credit Reporting Act, including FCRA 607 ( b ) which requires consumer reporting agencies to maintain maximum possible accuracy, FCRA 611 requiring proper investigation of disputed information, and FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 5 ) which mandate furnishers to provide complete, accurate, and verifiable information. My TransUnion report includes two inaccurate addresses XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX and XXXX XXXX XXXX XXXX  XXXX, FL XXXX locations I have never lived at, used, nor been associated with in any way. Their presence creates a misleading and unsafe consumer file, potentially the result of a mixed file, and violates proper identity reporting requirements. Additionally, reporting a XXXX XXXX XXXXXXXX charge-off with a {$0.00} balance, but the account is missing essential data such as the correct Date of First Delinquency ( DOFD ), full payment history, and validation details required under FCRA 623 ( a ) ( 1 ) ( A ). In its current state, the account is incomplete and unverifiable. My file also contains an inaccurate and inconsistently furnished collection account from XXXX ( Original Creditor : XXXX XXXX  ) XXXX, reporting a {$97.00} balance, which does not appear on Experian indicating inconsistent reporting and failure by the furnisher to maintain uniform accuracy across all consumer reporting agencies as required under FCRA 623 ( b ). These errors negatively affect my creditworthiness and undermine the fairness and accuracy that the FCRA is designed to protect. I am requesting the CFPBs assistance to ensure that TransUnion follows federal law, conducts an actual and thorough reinvestigation, and removes all information that can not be verified with complete accuracy.

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 2025-11-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My personal and financial was comprised without my permission. I went on my credit report and see things that have not thing to do with me. I am part of the Equifax and TransUnion and Experian data breach. My engagement # 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 2025-11-17 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: CA

Complaint narrative:
My personal and financial was comprised without my permission. I went on my credit report and see things that have not thing to do with me. I am part of the Equifax and TransUnion and Experian data breach. My engagement # 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 2025-11-17 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 against regarding multiple inaccuracies in my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I observed that XXXX XXXX, a charge-off account, is reported with a {$0.00} balance, which violates FCRA 607 ( b ), as the information is not accurate or complete. If this charge-off is no longer valid due to age or has exceeded the allowable reporting period under FCRA 605 ( a ), it should be removed or updated to reflect its true status. Additionally, the Date of First Delinquency ( DOFD ) appears to be missing or incorrect, violating FCRA 623 ( a ) ( 5 ). Furthermore, I found that two XXXX XXXX XXXX XXXX accounts ( XXXX with a balance of {$790.00} and XXXX with a balance of {$2400.00} ) are reported only on Experian and not on TransUnion or Equifax, which violates FCRA 623 ( a ) ( 1 ) ( A ) that mandates accurate and consistent reporting across all bureaus. I also exercise my rights under FDCPA 809 to request debt validation for these child support enforcement accounts, and I demand proof that these debts are valid. If the debts can not be verified, they should be removed from my credit report. These errors are significantly impacting my ability to obtain credit and may be in violation of my rights under both the FCRA and FDCPA.

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 2025-11-17 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 filing a complaint against regarding multiple inaccuracies in my credit report that violate the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I observed that XXXX XXXX, a charge-off account, is reported with a {$0.00} balance, which violates FCRA 607 ( b ), as the information is not accurate or complete. If this charge-off is no longer valid due to age or has exceeded the allowable reporting period under FCRA 605 ( a ), it should be removed or updated to reflect its true status. Additionally, the Date of First Delinquency ( DOFD ) appears to be missing or incorrect, violating FCRA 623 ( a ) ( 5 ). Furthermore, I found that two XXXX XXXX XXXX XXXX accounts ( XXXX with a balance of {$790.00} and XXXX with a balance of {$2400.00} ) are reported only on Experian and not on TransUnion or Equifax, which violates FCRA 623 ( a ) ( 1 ) ( A ) that mandates accurate and consistent reporting across all bureaus. I also exercise my rights under FDCPA 809 to request debt validation for these child support enforcement accounts, and I demand proof that these debts are valid. If the debts can not be verified, they should be removed from my credit report. These errors are significantly impacting my ability to obtain credit and may be in violation of my rights under both the FCRA and FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
This account was fully paid, yet it continues to display late payment notations.

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 2025-11-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Please see the attached file. I am filing this complaint due to noncompliance with the FCRA. My consumer report contains inaccurate personal information, unverified accounts, and unauthorized inquiries that were added without my authorization. Despite my dispute, the company failed to properly verify or correct these items as required under FCRA 1681e ( b ) and 1681i, causing financial harm and violating my privacy.

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 2025-11-17 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:
Consumer Name : XXXX XXXX Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the XXXX data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXXXXXX XXXX  Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$29000.00} Account name XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$10000.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$39000.00} Account name XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$29000.00} Account name XXXXXXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$71000.00}

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 explanation
Consumer complaint received 2025-11-17 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: AR

Complaint narrative:
This account does not belong to me and is being reported incorrectly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-17 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:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

Account name XXXX  XXXX Account number XXXX Account type XXXX XXXX  Date opened XX/XX/XXXX Balance {$490.00} Account name XXXX XXXX XXXX Account number XXXX  Account type Credit Card Date opened XX/XX/XXXX Balance {$380.00} Account name XXXX XXXX XXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$330.00} Account name XXXX XXXX XXXX Account number XXXX Account type Loan Date opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation