vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-10 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-10 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: LA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
I recently reviewed my consumer report and identified several inaccuracies that must be corrected immediately. These errors have caused me significant distress, and I demand swift resolution to ensure my consumer rights under the Fair Credit Reporting Act ( FCRA ) are upheld. Please see the attached file for this concern. Please see the attached file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
On XX/XX/2025, I was charged a {$36.00} overdraft fee by Truist Bank. I received no alertno text, email, or mobile notificationabout my account balance going negative. Unaware that I had overdrafted, I made another small purchase shortly after, which triggered a second {$36.00} overdraft fee. 

I transferred money into the account as soon as I realized the issue and contacted Truist to explain the situation. They informed me that I was not eligible for a refund because I had already used a courtesy refund within the past 24 months. 

During my conversation with customer service, I was repeatedly told, " Its your responsibility to check your bank. '' However, I do not check my bank account frantically every dayI rely on Truist 's alerts, which I have enabled, to inform me of low balances or overdrafts. If I had been alerted, I would have avoided the second charge entirely. 

This policy feels exploitativeTruist charged me twice for a mistake I had no opportunity to correct, and then denied any flexibility despite my prompt effort to resolve it. Penalizing customers with multiple fees due to a lack of notice or system delay takes advantage of those who are trying in good faith to manage their accounts.

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 2025-06-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
To Whom It May Concern, I am filing this complaint against American Express regarding a payment processing error that resulted in an unjust {$29.00} nonpayment fee, despite my full compliance with their online account verification process. 

On XX/XX/year>2025, I logged into my American Express account to make a payment using a different bank account than usual. I followed the platform 's instructions and used their secure system to log into my XXXX XXXX XXXX XXXX account. At that time, I selected and verified my Express account ending in XXXX to be used for the payment. 

Despite physically logging into my bank and selecting the correct account, the system withdrew funds from a different account ending in XXXX, which I did not authorize. As a result, the payment failed, and I was charged a {$29.00} nonpayment fee. 

XXXX XXXX has acknowledged the issue on their end and has reversed any related fees. However, American Express has refused to do the same, stating that I am responsible for the failed payment even though I followed every required step to verify the correct account.

This is not a case of user error. I used the tools provided by American Express, followed the prompts exactly, and confirmed the correct account. The system still failed, and consumers should not be penalized when the error clearly stems from a platform they are required to trust.

I also believe this situation highlights two broader concerns : American Express should be accountable when their system processes a payment from the wrong account after the customer has verified a specific one. 
XXXX XXXX XXXX XXXX system should not allow funds to be pulled from unauthorized accounts when a specific account is selected and verified.

When I contacted American Express to resolve this issue, I spoke with four representatives : XXXX, XXXX, XXXX, and finally XXXX from the second-level escalation team. With the exception of XXXX, the other representatives were dismissive and argumentative. I explained the situation multiple times, but was repeatedly told that because I had authorized a payment, I was responsible regardless of the fact that the funds were taken from the wrong account.

Each time I raised the issue, they referred to a small clause in the agreement stating that by authorizing a payment, However, this completely overlooks the fact that I did not authorize payment from the account the funds were actually pulled from.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: WA

Complaint narrative:
This complaint is valid and submitted with full intent. My credit report contains false information that fails to meet the required standard of maximum possible accuracy. These errors are actively damaging my financial stability and personal well-being, adding undue hardship during an already challenging time. I demand immediate action to correct this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am writing to formally dispute the inclusion of credit accounts and payment history associated with my former Individual Taxpayer Identification Number ( ITIN ) in my current credit profile under my newly issued Social Security Number ( SSN ). 

My SSN was officially issued on XX/XX/year>, and I did not authorize the automatic merger of my previous ITIN-based credit history with my new SSN. Some of the accounts included in the current report were not opened using my SSN and contain negative or derogatory marks that do not reflect my current financial behavior and identity.

As permitted by the Fair Credit Reporting Act ( FCRA ), I request the following : That you separate or remove all accounts or records associated with my former ITIN that were not opened using my SSN.

That only accounts verified as opened under my SSN remain in my current credit report.

That you provide written confirmation of the reinvestigation and corrections made.

Failure to correct this misattribution may constitute a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that consumer reporting agencies maintain maximum possible accuracy in credit reports. Incorrectly associating my SSN with prior ITIN-based credit historyespecially containing derogatory or unverified datacompromises that accuracy and may warrant legal review if not promptly addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: AZ

Complaint narrative:
This is my third formal CFPB complaint regarding Equifaxs continued violation of the Fair Credit Reporting Act ( FCRA ) related to a fraudulent XXXX XXXXXXXX XXXX account that is not mine. 

I have repeatedly disputed this account, beginning months ago, and provided full identity theft documentation including : An FTC Identity Theft Report A police report A formal fraud affidavit Despite this, Equifax has refused to block the fraudulent XXXX XXXX  account, as required under 15 U.S.C. 1681c-2, which states that a consumer reporting agency must block fraudulent information within four business days once provided with a proper identity theft report.

Instead, Equifax completed a reinvestigation and responded with the claim that the account was verified to belong to me. This verification was made despite the fact that the account is fraudulent and supported by government-issued identity theft documentation. No further evidence or proof of this alleged verification was provided. 

After receiving this result, I sent Equifax a formal written Method of Verification ( MOV ) request, as permitted under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). I asked them to provide : A description of the procedure used to verify the account The name and contact information of the furnisher Whether any third-party verification vendor was used Equifax did not respond at all to this request within the 15-day legal time frame. They have ignored my legal right to receive the MOV and failed to comply with their obligations under the FCRA. 
In total, Equifax is now in violation of the following FCRA sections : 1. 1681c-2 Failure to block fraudulent account after proper identity theft documentation 2. 1681i ( a ) ( 6 ) ( B ) ( iii ) Failure to respond to MOV request within 15 days 3. 1681i ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation In addition to this, Equifax has repeatedly altered the charge-off amount and payment status of this fraudulent accountwithout removing itdespite numerous complaints. This account continues to cause harm to my credit profile and emotional distress due to its false association with me. 

I have also sent a final demand letter to Equifax requesting removal of this account, citing all of the above violations. They have not responded or complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am disputing a closed account reported by XXXX XXXX XXXX  XXXX on my Equifax credit report. The account shows as closed, but is still negatively impacting my credit through the presence of inaccurate and unverifiable negative information. 

According to Equifax, the account was closed with no outstanding balance, but it included negative remarks. I submitted a dispute asking for verification of the payment history and full reinvestigation. 

Equifax responded by adding a remark that the account is under Consumer Disputes Reinvestigation in Progress but has failed to provide any verification, payment records, or supporting documentation showing the legitimacy of the derogatory data. 

Under the FCRA, I am entitled to have all items on my report be 100 % accurate, complete, and verifiable. If the account has been closed and settled, and they can not verify any missed payments or balances, it should no longer be reported in a negative light. 

This is harming my credit profile and affecting my ability to secure housing and financial services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX  Date : XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: IL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized credit inquiries and inaccurate personal information made without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This formal complaint concerns unauthorized inquiries appearing on my credit report, made without my consent and lacking a permissible purpose under the Fair Credit Reporting Act ( FCRA ). These inquiries are negatively impacting my credit profile and do not meet the FCRAs requirements for accessing a consumers credit report without express authorization. 
Details of Disputed Inquiries : The following inquiries are disputed, as verified by the creditors, who confirmed they were conducted without my knowledge or authorization : XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax Legal Basis for Removal : Under the FCRA, specifically Section 604 ( 15 U.S.C. 1681b ), access to a credit report is only permissible when explicit consumer consent or a clearly permissible purpose exists. The listed inquiries do not meet these legal requirements. Additionally, under Section 611 ( a ) ( 5 ) ( 15 U.S.C. 1681i ( a ) ( 5 ) ), any unverifiable information must be promptly removed from the credit report. 
I have attempted to resolve this matter directly with the credit bureau by submitting a formal dispute letter on XX/XX/XXXX. However, I have not received an adequate response or the removal of the unauthorized inquiries, which I believe constitutes noncompliance with FCRA provisions. 
Supporting Case Law for Removal : Legal precedents reinforce the need for removal of unauthorized inquiries in the absence of a permissible purpose. In Pintos v. Pacific Creditors Association ( 9th Cir. 2010 ), the Ninth Circuit ruled that accessing a credit report without explicit consumer consent or a legitimate purpose constitutes a violation of the FCRA. Furthermore, Dennis v. BEH-1, LLC ( 9th Cir. 2002 ) reaffirms that credit bureaus are obligated to remove all inaccurate or unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: TN

Complaint narrative:
I continue to have problems with Equifax. At this point, its becoming intentionally malicious. I have an auto financed through XXXX XXXX services that was opened XX/XX/year>. Equifax has incorrectly reported that this account was closed on XX/XX/year>, which discredits all of the monthly payments that I have been making to the lender. I have not received credit for ANY payments after XX/XX/year> due to this inaccurate reporting. 

My account with XXXX XXXX XXXX is active and open. XXXX  and Equifax displays accurate information. At no point have I ever closed my account with XXXX and at no point have I not been current. 

I recently applied for an additional vehicle and was approved at a high rate and the loan officer advised me that the reporting of the closed account warranted a higher interest rate, so I refused the loan. This inaccuracy just like their previous inaccuracies are unfortunately developing a pattern of intentional, negative and frivolous reporting. I have disputed this information with Equifax, but given my history with them I dont have faith in their ability to update my report with accurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: TX

Complaint narrative:
I'm contacting you regarding a credit inquiry that was made without my permission. I want to be absolutely clear : I never gave this companynor anyone acting on their behalfany authorization to access or pull my credit report. 

This was done without my knowledge or consent, and as such, it qualifies as an unauthorized and fraudulent inquiry under the Fair Credit Reporting Act ( FCRA ). I did not apply for credit, services, or any financial product from this company, and I have no existing relationship with them that would justify this kind of access.

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 2025-06-10 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: NY

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX NY XXXX ACCOUNTS : XXXX XXXX XXXXXXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} INQUIRIES : XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: KY

Complaint narrative:
These accounts were reported under my name without my knowledge or authorization. I have never opened or managed them. This is unacceptable and misrepresents my financial history. I demand immediate clarification on why these accounts appear on my record and who is responsible for reporting them.

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 2025-06-10 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX. 
XXXXXXXX XXXX XXXXXXXX ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9600.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$12000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$00.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$910.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$100.00}

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