vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-07 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: NY

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file.

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification.

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the account from all versions of my credit report.

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 

XXXX XXXX XXXXXXXX

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 2025-07-07 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: AR

Complaint narrative:
I am writing to report that I am a victim of identity theft, and I am requesting the immediate removal of fraudulent information from my credit report. According to FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are obligated to delete such information within 4 business days of receiving the request. Some of the data on these accounts is unfamiliar to me, and I am concerned about the accuracy and authenticity of the entries. Several of these entries have already been removed from other bureaus, which further supports my claim of fraud.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 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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was gifted a {$200.00} Amex gift card / prepaid debit card. I have tried to use it at almost a dozen retailers at this point both online and in person and Im unable to spend the money. It fails every single time. They told me to ask the retailers how to use the card. They are of no help and claim its working

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

Complaint narrative:
I am writing to request the removal of fraudulent information from my credit report. I am a victim of identity theft, and there are several accounts and inquiries listed that I did not authorize. These items are inaccurate and do not belong to me.

Under Section 605B of the Fair Credit Reporting Act ( FCRA ), I am requesting that you block and remove these unauthorized items. Attached are a list of the disputed accounts and a copy of my Identity Theft Report filed with the Federal Trade Commission. 

Please investigate and delete these items promptly. I request written confirmation once the corrections have been made. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: 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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: SC

Complaint narrative:
My personal information was exposed to XXXX XXXX breach and my identity was stolen and I do not recognize these accounts listed below : XXXX. XXXX XXXXXXXX ( TransUnion, Experian ) XXXX XXXX XXXXXXXX XXXX ( Experian ) XXXX. XXXX XXXX  XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXX XXXX XXXX XXXX  XXXX TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX Equifax, TransUnion, Experian ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion ) XXXX. XXXX XXXX XXXX XXXX XXXX TransUnion, Experian ) XXXXXXXX XXXX XXXX XXXX  ( Multiple Accounts ) ( Equifax, TransUnion ) XXXX. XXXX XXXX XXXX Multiple Accounts ) ( Equifax, TransUnion ) XXXX. XXXX XXXX ( Collection ) ( Experian ) XXXX. XXXX XXXX XXXX ( Collection ) ( Equifax, TransUnion XXXX Inquiries XXXXXXXX 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 2025-07-07 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 submitting this letter as a formal dispute and request for deletion of an unauthorized hard inquiry listed on my credit report. I never provided written or verbal permission for this inquiry to be made, nor did I initiate any credit application that would warrant such an action.

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 2025-07-07 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 disputing an unauthorized hard inquiry reflected on my credit report. I have no business relationship, credit transaction, or consent agreement with the entity listed. At no time did I permit this organization to access 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 2025-07-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
b'InXXXX XXXX XXXX I sent a letter to Transunion disputint the inaccurate and missing information in my credit report per the FCRA. The letter was verified received on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was received at the XXXX PA XXXX FCRA requires that Before the end of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from a consumer (or a reseller) in accordance with paragraph (1), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, including all relevant information regarding the dispute that the agency has received from the consumer or reseller" 15 U.S. Code  1681i(a)(2)(A). However, Transunion failed to notify creditors and/or lenders mentioned in the dispute. Instead of conducting the investigation, Transunion sent me a letter requesting verification of ID and address, both which had been included in the initial dispute. This is known as a "Stall tactic" and circumventing Transunion obligation to investigate my complaint as required by FCRA. \n\nI sent a second letter requesting a dispute. I also included requested information, Transunion\'s original response, and informed Transunion that my dispute was not sent by a "3rd party", but directly from me. I verified that Transunion had received the second letter on XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was received at XXXX PA XXXX. I NEVER heard back from Transunion regarding this. The conduct by Transunion is unethical, non-compliant, and a "Willful violation" by refusing to investigate a consumer dispute when "The consumer puts Transunion on notice that there are errors in the consumer credit report. \n\n\nThis violates FCRA \n15 U.S. Code  1681i(a)(2)(A) the agency shall provide notification of the dispute to any person who provided any item of information in dispute, including all relevant information regarding the dispute that the agency has received from the consumer or reseller.\n15 U.S.C.  1681e(b)  You are obligated to ensure the maximum possible accuracy of the information in consumer reports. Any unverified or inaccurate data must be corrected or deleted.\n15 U.S.C.  1681i(a)(5)(A)  If the information disputed cannot be verified after investigation, it must be deleted from the consumers file.\n15 U.S.C.  1681s-2(b)  The data furnisher must conduct their own investigation. If they cannot supply verifiable documentation proving the accuracy and ownership of the disputed account, it must be deleted 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 non-monetary relief
Consumer complaint received 2025-07-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am contacting you to dispute an unauthorized inquiry appearing on my credit report. Pursuant to Section 604 of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681b ), requests for access to credit reports should only be made for certain legitimate purposes, such as evaluating applications for credit, employment, or insurance, and only with the consumer 's explicit consent. The inquiry in question, which was made on XXXX XXXX XXXX XXXX XXXX XX/XX/year>, was not authorized by me. I did not apply for any credit, insurance, or employment with that institution, nor did I consent to their access to my credit report. Because this inquiry does not meet the criteria set forth in 15 U.S.C. 1681b, I request that it be removed from my credit report immediately and that I receive written confirmation that the dispute has been processed and resolved

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

Complaint narrative:
My plea for your agency to rectify the inaccurate status of my accounts has been consistently overlooked. Despite submitting numerous written requests, I have yet to receive any response. Additionally, my accounts report persistently displays erroneous information, specifically regarding the late payment status, which remains unresolved despite my earnest attempts to address the issue directly with the creditor. Consequently, your agency continues to report unverified information, a clear violation of the Fair Credit Reporting Act, 15 USC Sections 1681, without adhering to the legal deadlines. This constitutes willful negligence and a breach of federal statutes. The specified accounts below are still reflectings a late payment on my credit report : XXXX XXXX XXXX XXXX Balance : {$12000.00}

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 2025-07-07 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 a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of ownership 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 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 2025-07-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I signed up for a welcome offer of XXXX points after spending {$20000.00}. I hit the spending requirement in XXXX, but nearly five months later, the points still havent posted. I previously submitted a complaint and received a response that seemed to acknowledge a technical issue, but it was unclear and didnt resolve anything. Ive already paid a high annual fee for this card, and given that the welcome bonus was the main reason I signed up, I feel extremely misled.

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

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. These inaccuracies have been stressing me out and its affecting everything. It is disheartening to know that my rights as a consumer is being violated. I value my credit a lot the same as everyone else 's and the inaccuracies in my credit report has negatively affected both my financial opportunities as well as my mental health. Make sure all this information is 100 % correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
The car was repossessed and the debt is still on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-07-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited XXXX check from a loan settlement on XX/XX/year> to date XX/XX/year> nothing has been made available by chase bank XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-07 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-07-07 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 extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: NC

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item. 

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
I am disputing several inaccurate addresses reporting on my credit file. The only correct address associated with my credit profile is : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX The following addresses are incorrect and should be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( incomplete address ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have never resided at or used these addresses. Their inclusion is inaccurate and potentially linked to accounts or inquiries that do not belong to me. 

I am requesting immediate deletion of all inaccurate addresses and an updated credit report reflecting this correction. 

I am attaching a copy of my government-issued ID and a utility bill showing my correct address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-07 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: IL

Complaint narrative:
Dispute of Inconsistent Late Payment Reporting XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Subject : Dispute of Inconsistent Late Payment Reporting XXXX XXXX Account Dear Dispute Department, I am writing to formally dispute the accuracy of late payment information reported on my XXXX XXXX account ( partial account number XXXX ). 
The payment history reported by Experian, Equifax, and TransUnion is inconsistent. For example, Equifax reports four late payments ( 30, 30, 30, 60 days late ), while TransUnion reports only two late payments ( 30, 30 days late ). The dates and severity of these lates vary across bureaus, and this reflects inaccurate reporting on my credit profile.

I am requesting that you : 1 Conduct a full investigation with XXXX XXXX to verify each reported late payment.

2 Provide written documentation confirming the accuracy of the reported information.

3 Remove any late payment data that XXXX XXXX can not fully verify. 
Please confirm receipt of this dispute and provide me with the results within the required 30-day period under the Fair Credit Reporting Act ( FCRA ). 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief