vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: IL

Complaint narrative:
I filed a dispute with Equifax on XX/XX/year> for unauthorized accounts due to identity theft. An FTC report along with my ID was uploaded for proofs that the accounts did not belong to me. On XX/XX/year> I was mailed a letter stating that the accounts did XXXX XXXX XXXX  XXXX XXXX, Account number * XXXX was reinserted onto my Equifax credit file. According to Fair Credit Reporting Act ( FCRA ) 611 [ 15 U.S.C. 1681i ] : This section of the FCRA mandates that credit reporting agencies conduct a reasonable reinvestigation of disputed information. I believe the initial investigation was inadequate because the account doesnt belong to me.

Fair Credit Reporting Act ( FCRA ) 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] : This section requires credit reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The continued presence of inaccurate information on my report violates this provision.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am submitting this complaint to dispute inaccurate personal information listed on my TransUnion credit report. Specifically, TransUnion is reporting my name as XXXX XXXX, which is incorrect and not my legal name. My only legal and accurate name is XXXX XXXX XXXX and I have never used or been known by the name currently listed. 

The inclusion of an incorrect variation of my name is a violation of the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S.C. 1681e ( b ), which requires consumer reporting agencies to maintain accurate and complete files. This error may result in the misassociation of accounts or data that do not belong to me, which can cause confusion, unnecessary scrutiny by creditors, and potentially lower my credit score due to misidentification. I have submitted disputes in the past to have this corrected, yet the inaccurate name continues to appear on 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 non-monetary relief
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: NC

Complaint narrative:
NATIONAL CREDIT ADJUST is falsely reporting on my credit. I have never had any accounts with them. Per my research NATIONAL CREDIT ADJUST 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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
My name is XXXX XXXX XXXX, and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 
Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 
This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I applied for a new American Express credit card ( ending in XXXX ) through a referral link from a friend on XX/XX/year>. The application page clearly stated that I would receive a XXXX welcome bonus after meeting the required spending threshold. My friend would receive XXXX points for the referral. 

I successfully completed the application using XXXX on my phone and received approval. At no point during the application process was I shown any pop-up or disclaimer indicating that I was ineligible for the bonus. I also never received any email stating that I didnt qualify. 

I met the required spending amount within XXXX XXXX  and paid the balance in full. However, American Express has now denied my welcome bonus, claiming only that the system determined I am not eligible. They have refused to provide a specific reason despite multiple requests. 

While I am not a new American Express customer, this is the first time I have applied for this specific card product. I have never received a bonus for this product in the past, and I have not engaged in any behavior that would violate the terms ( no excessive applications, no abuse of offers, and my payment history is clean ). I closed another Amex card within the past year ( a XXXX co-branded card ), but this occurred after I opened the new account and should not affect eligibility. 

This feels misleading and unfair. The bonus offer was clearly advertised, and I fulfilled all the terms that were publicly presented. I am requesting that American Express honor the bonus as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: TN

Complaint narrative:
MoneyLion is reporting a charge-off on my credit report for XXXX ID XXXX. I disputed this because they have not provided any proof that the account was charged off or that the funds were deposited into my XXXX XXXX account in XX/XX/XXXX. My XXXX XXXX account was not opened until XXXX, so their information is incorrect. I requested payment history, delinquency timeline, proof of deposit, 1099-C form, and notices, but MoneyLion refused to provide any documentation or respond to further disputes. They stated they would no longer reinvestigate this dispute, even if I submit additional information. This inaccurate reporting violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ), which requires furnishers to conduct a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681s-2 ( b ), which mandates the reporting of accurate information. The incorrect information is harming my credit score and ability to obtain credit. I have tried to resolve this directly with MoneyLion and the credit bureaus on repeated occasions but have been unsuccessful. I am requesting CFPBs assistance to ensure this is properly verified or removed

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: IL

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 XXXX XXXX correct. I want this resolved as soon as possible because I dont want to wait for any more damage to be done.

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 2025-06-19 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: TX

Complaint narrative:
This letter serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the following accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed account. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : XXXXActual verification of the disputed accounts, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher. 
XXXXA detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information. 
XXXXThe names, contact information, and job titles of the individuals who handled my dispute. 
XXXX.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ).

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 

The following accounts do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: LEXISNEXIS
State: IL

Complaint narrative:
To LexisNexis Risk Solutions : This is my FINAL FORMAL DEMAND to remove the fraudulent bankruptcy entry US BKPT CT XXXX  XXXX '' ( Reference # : XXXX ) from my consumer disclosure file. I have disputed this error multiple times with no corrective action taken. Your continued reporting of this false bankruptcy violates federal law. 

Legal Violations 1. Failure to Reinvestigate Under FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a free reinvestigation within 30 days of receiving a dispute. My prior disputes ( [ dates ] ) were ignored, violating this mandate. 

2. Reporting Inaccurate Information Maintaining unverified bankruptcy data breaches FCRA 1681e ( b ), requiring maximum possible accuracy of reported information. I never filed bankruptcy in any jurisdiction. 

3. Willful Non-Compliance Ignoring repeated disputes may constitute " willful non-compliance '' under FCRA 1681n, exposing LexisNexis to statutory damages ( $ XXXX {$1000.00} per violation ), punitive damages, and attorney fees. 

Immediate Demands 1. Permanently delete all bankruptcy records tied to Reference # XXXX from my file within 15 days. 
2. Send written confirmation of deletion and an updated consumer disclosure report.

3. Provide documentation proving the basis for this entrys initial reporting.

Failure to Comply Will Result In - CFPB Complaint : Filed at [ consumerfinance.gov/complaint ] ( https : //www.consumerfinance.gov/complaint ) - State AG Complaint : Illinois Attorney General ( [ illinoisattorneygeneral.gov ] ( https : //www.illinoisattorneygeneral.gov ) ) - Private Lawsuit : For willful FCRA violations ( 15 U.S.C. 1681n ) Enclosed : - Government-issued ID - Proof of address By copy of this letter, I am notifying the CFPB and Illinois AG of your non-compliance. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Over the last 6 months i have made my payments in person at the bank. When making the payments the bank teller ONLY applied my money to the principal amount and not the interest charges.as well. This made LATE charges on the next months statement. When i tried to get this resolved at the bank branch i was given the run around from the branch Manger. After calling the bank and being hung-up on. I filled a complaint with the resolution department at the bank. I have called them and left many massages and never get a call back. After filling the complaint on my next statement my account has been suspended. I believe this is in retaliation. My bank is BMO the branch is XXXX, IL.

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint to dispute the presence of inaccurate employment information reported on my TransUnion credit file. Specifically, TransUnion is reporting that I have worked for XXXX XXXX, which is entirely incorrect. I have never worked for this company, nor have I ever provided this employers name on any credit or loan application. I do not have any professional or personal affiliation with XXXX XXXX, and its presence on my credit report is not only false but misleading to current and potential creditors. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to maintain accurate and verifiable information in consumer files. Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ] mandates that credit bureaus follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inclusion of an unverified and entirely false employer on my file violates this provision. Employment informationjust like credit datacan influence lending decisions, insurance premiums, housing applications, and other vital financial opportunities. When that data is wrong, it unfairly distorts a consumers profile.

This kind of misinformation can also lead to downstream issues with identity verification and trigger unnecessary red flags in automated underwriting systems. It is frustrating and disheartening to have to repeatedly correct information that should have never been there to begin with. This error suggests a failure on the part of TransUnion to properly verify and filter employment data before including it in my consumer 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 non-monetary relief
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-06-19 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: FL

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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:
This complaint concerns inaccurate late payment notations appearing on my Equifax credit report for the following 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 These entries are showing as derogatory due to supposed late payments, despite the fact that they reflect either closed status or a current past due balance of {$0.00}. This is misleading and conflicts with FCRA mandates for accurate credit reporting. These entries present the false impression of financial delinquency and have negatively impacted my credit rating, resulting in diminished access to fair credit terms. 

Equifax is responsible under FCRA Sections 1681e ( b ) and 1681i to ensure that consumer credit data is both accurate and verifiable. The continued presence of these entries suggests that no adequate reinvestigation or validation has taken place.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: CarMax, Inc.
State: MA

Complaint narrative:
Carmax was opened fraudulently. I am a victim of XXXX XXXX. I recently found many accounts opened in my name. I have submitted a FTC report and made them aware that I was threatened when this account was open it was under duress. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. This account was opened fraudulently and carmax is refusing to remove it from my credit

Company response to consumer: Closed with explanation