vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-11 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: WA

Complaint narrative:
This is regarding American Express dispute XXXX. Its been open for many weeks now and they wont close it despite me providing ample evidence. It says they are waiting for the merchants response but the merchant emailed me already acknowledging they are sorry for the order issue and they want to make it right. Ive requested a refund in full from them many weeks ago and reiterated that request. I uploaded proof the company responded to me acknowledging the order issue and they want to make it right but American Express has kept it open with no estimated end date because they are racist towards XXXX customers like me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-05-11 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 XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX  credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX with a balance of {$3400.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have contacted Bridgecrest in writing twice to remove the account from my credit completely. This was a voluntary repossession, the account was closed and I was told it would be removed from my credit report. Bridgecrest has responded saying they will not discuss anything via email due to privacy. However ; they have communicated with me in the past via email. They are avoiding removing this from my credit which is unethical and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
Company has already had 3 times to verify no additional time should be granted especially after already having 3 separate disputes and requesting correct information and failing. 

Instant action need to be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: LA

Complaint narrative:
ubject : Reinsertion of Previously Deleted Account Request for Immediate Removal and Investigation Dear TransUnion, I am writing to dispute the reinsertion of an account on my credit report that was previously investigated and removed. This account has now reappeared in error and its presence violates the Fair Credit Reporting Act ( FCRA ). 

Account Name : XXXX Account Number XXXX Date Reinserted : XX/XX/year> While I appreciate that this issue has not been categorized as identity theft or fraud, the account is nonetheless inaccurate and should not appear on my credit report. The reinsertion of previously deleted information is subject to strict legal requirements, which I believe have not been followed. 

Under FCRA Section 611 ( a ) ( 5 ) ( B ), 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), credit reporting agencies are required to : 1. Obtain certification of accuracy from the furnisher before reinserting previously deleted information ; 2. Notify the consumer in writing within five business days of the reinsertion.

I have received no such notice, and I am requesting immediate removal of this item.

Additionally, FCRA Section 607 ( b ), 15 U.S.C. 1681e ( b ) obligates credit reporting agencies to ensure the maximum possible accuracy of the information they report. The account in question remains absent from my reports with XXXX XXXX XXXX, confirming its inaccuracy and raising further concerns about inconsistent reporting. 

Under FCRA Section 611 ( a ) ( 1 ) ( A ), I hereby request that you : 1. Immediately remove this reinserted account ; 2. Provide written documentation of the certification of accuracy from the data furnisher ; 3. Complete a reinvestigation within the required 30-day time frame and issue written confirmation of the outcome. 



Thank you for your attention to this matter. I look forward to a prompt resolution. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Self Financial Inc.
State: MI

Complaint narrative:
Self credit card continues to report that I have a balance of {$670.00}. This credit card was a secured card linked to the secured credit builder account by SELF which I closed. I deposited every bit of that {$670.00} so I should not have a balance! I want to close the account asap and they don't give me any options to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: DC

Complaint narrative:
I've recently received a copy of my credit report, and I noticed several inaccuracies and unauthorized account information reported 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 2025-05-11 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 unde

r 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 XXXX 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 2025-05-11 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: SC

Complaint narrative:
I recieved my credit report and noticed a few inquiries that were unauthorized and that's resulting identity theft. This has impacted my credit score negatively. The following inquiries are : XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XX/XX/year>, XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>. 

ALSO SEE THE ATTACHMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Sezzle Inc.
State: GA

Complaint narrative:
I had a Sezzle account that went into collections but was fully paid off on XX/XX/year>. Despite the account now being marked as Paid/Closed on my credit report, it continues to appear under the negative accounts section, which is having a damaging effect on my credit score and financial reputation.

I contacted Sezzle to request a goodwill deletion of the account, explaining that Ive fulfilled my obligation and am actively working to rebuild my credit. My request was denied, and I was told the account would remain on my report for up to seven years even though the balance is fully resolved and there is no ongoing risk or liability.

I believe this reporting is unnecessarily punitive. It does not reflect my current financial responsibility, and it is negatively impacting my ability to qualify for credit, improve my score, and move forward financially.

Im requesting that Sezzle reconsider their stance and remove the account from my credit report as a goodwill gesture, or that the CFPB assist in reviewing the fairness and accuracy of this continued reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
I am an XXXX  XXXX XXXX XXXX XXXX XXXX I have a frozen credit card account with Navy Federal, carrying a balance of approximately {$21000.00}. Since XX/XX/year>, I have made consistent monthly payments of over {$500.00} without making any new purchases. 

Despite this, my balance has not meaningfully decreased due to the cards 18 % interest rate, which results in interest charges around $ XXXX monthly. This effectively traps me in a cycle where my payments go mostly toward interest, not principal. 

I have contacted the bank multiple times ( at least XXXX ) requesting interest relief under the XXXX XXXX XXXX XXXX ( XXXX ). I was denied on the grounds that I do not have recent XXXX or entry orderseven though I am actively serving and provided proof of service. 

The bank refuses to reduce my interest or offer any hardship alternatives. I believe this practice goes against the spirit of the XXXX and the ethical treatment of military personnel. I am requesting a review of this situation and a reconsideration of the interest rate or payment structure. 

I am acting in good faith and simply want a fair chance to pay off my debt without being crushed by predatory interest while in XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: 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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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:
Subject : Complaint Regarding Fraudulent Accounts Due to Data Breaches To Whom It May Concern, I am submitting this complaint to formally report that my personal information has been compromised due to several data breaches, which has subsequently led to the opening of fraudulent accounts in my name without my knowledge or consent. 

As a result of these breaches, my sensitive personal data has been misused, and I am now facing the consequences of identity theft. I have taken the appropriate steps to report this situation, including filing a report with the Federal Trade Commission ( FTC ), and I have completed and attached an Identity Theft Affidavit. 

I am requesting the removal and full investigation of all fraudulent accounts associated with my identity. I also request that any negative marks on my credit report resulting from these unauthorized accounts be immediately corrected. 

Attached are the following supporting documents : A copy of my FTC Identity Theft Report A completed Identity Theft Affidavit I am asking the CFPB to assist in ensuring that my consumer rights are protected and that the responsible financial institutions take immediate action to resolve this issue and prevent further harm. 

Thank you for your attention to this urgent matter.

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 2025-05-11 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:
Subject : Complaint Regarding Fraudulent Accounts Due to Data Breaches To Whom It May Concern, I am submitting this complaint to formally report that my personal information has been compromised due to several data breaches, which has subsequently led to the opening of fraudulent accounts in my name without my knowledge or consent. 

As a result of these breaches, my sensitive personal data has been misused, and I am now facing the consequences of identity theft. I have taken the appropriate steps to report this situation, including filing a report with the Federal Trade Commission ( FTC ), and I have completed and attached an Identity Theft Affidavit. 

I am requesting the removal and full investigation of all fraudulent accounts associated with my identity. I also request that any negative marks on my credit report resulting from these unauthorized accounts be immediately corrected. 

Attached are the following supporting documents : A copy of my FTC Identity Theft Report A completed Identity Theft Affidavit I am asking the CFPB to assist in ensuring that my consumer rights are protected and that the responsible financial institutions take immediate action to resolve this issue and prevent further harm. 

Thank you for your attention to this urgent matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: FinCo Services Inc DBA Current
State: TX

Complaint narrative:
Name : CURRENT with banking provide by another fraud bank XXXX XXXXXXXX XXXX This company current is incapable to investigate and identify unauthorized charges and ambiguous vendors. Qualification and training with industry practices violations need to be checked for their dispute team as all disputes are royally denied by these folks. Same old no errors occurred close occurred, device Ip location and rubbish this company follows. Many other people are affected by this also and we request you to please check this companys validity and qualifications. 
They are rude and do not follow basic procedures that secure customer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: FL

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
Account closed and paid off as of XX/XX/XXXX but still reporting as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: CA

Complaint narrative:
Subject : Demand for Immediate Removal of Inaccurate Personal Information from Credit Reports Dear CFPB, I am writing to formally dispute inaccurate personal information appearing on my credit reports from XXXX, Experian, and XXXX. Despite my repeated efforts to correct these errors directly with the credit bureaus, the inaccuracies persist, which is harming my ability to access credit and other financial services. I request that the CFPB intervene to ensure these errors are investigated and removed immediately. 

Incorrect Personal Information XXXX. TransUnion Incorrect Name : XXXX XXXX XXXX XXXX : XXXX, XXXX, XXXX ; XXXX XXXX XXXX Date of Birth : XX/XX/year> Invalid Previous Address : XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX Invalid Employers : RSM, XXXX XXXX XXXX. Experian Incorrect Date of Birth : XXXX  Incorrect Current Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Previous Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX Invalid Employers : XXXX XXXXXXXX XXXX XXXX XXXX XXXX. XXXX  Incorrect Name : XXXX XXXX XXXX XXXX : XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX, TX Invalid Employers : XXXX XXXX, XXXX XXXX XXXX XXXX Steps Taken to Resolve I have previously disputed these inaccuracies with each credit bureau directly , but the errors remain uncorrected. These inaccuracies are not only misleading but may also indicate potential identity mix-ups or fraud. 

Request for Action Under the Fair Credit Reporting Act ( FCRA ), I urge the CFPB to : Direct XXXX, Experian, and XXXX  to immediately remove or correct all inaccurate personal information listed above. 

Ensure the bureaus conduct a proper investigation and provide me with written confirmation of the corrections. 

Require the bureaus to notify all entities that received reports containing these errors of the corrections. 

I have attached supporting documentation ( e.g., government-issued ID, proof of address ) to verify my true personal information. Please contact me promptly if additional information is needed. 

Sincerely,

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 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXXXXXX XXXX ended relationship with me for no reason. They still have a {$1000.00} cd of mine. I have since moved. I also don't recognize a lot transactions and they are least bit helpful and closed my accounts to where I can't look further.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland Credit {$450.00}, {$610.00}, {$2600.00}, {$3400.00} and {$1000.00} XXXX XXXX {$530.00} XXXX {$1600.00} This is reporting negative on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please remove these accounts and send me an updated copy of my report after the investigation. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation