vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-27 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( FCRA ), the account listed below has violated my federally protected consumer rights, including my right to privacy and confidentiality under 15 U.S.C. 1681. 

Account Name : XXXXXXXX XXXX XXXX  : XXXX This account has violated my rights under federal law. 

Under the FCRA, specifically 15 U.S.C. 1681e ( b ), whenever a consumer reporting agency prepares a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information relating to the consumer.

Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes information and a reinvestigation finds that the information is inaccurate, incomplete, or unverifiable, the consumer reporting agency is required to : ( i ) promptly delete or appropriately modify that information; and ( ii ) promptly notify the furnisher of the information that the item has been deleted or altered.

In addition, according to 15 U.S.C. 1681s-2, no person or entity may furnish information about a consumer to a consumer reporting agency if they know or have reasonable cause to believe the information is inaccurate.

Finally, under 15 U.S.C. 1681b ( a ) ( 1 ), a person shall not furnish any information regarding a consumer to a consumer reporting agency if they have knowledge or 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 non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

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 XXXX XXXX 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 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 2025-04-27 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: LA

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 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 2025-04-27 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: NC

Complaint narrative:
I been disputing my hard inquiries on my Equifax and Trans Union due to my identity and social being stolen when my car was stolen. I have sent paperwork through the mail twice and they keep claiming they never received it. I received a letter to send ID and A Bill with address and ima attach it to this complaint so they cant say it wasnt received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

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 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 2025-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I am writing to lodge a formal and urgent complaint against American Express for gross negligence, failure to honor a hard block request, and allowing unauthorized charges that have caused me significant emotional distress and financial harm. 
On XXXX XXXX, I explicitly requested American Express to place a hard block on my card, with specific instructions to decline any transactions from XXXX and related entities. American Express confirmed that : 1. All transactions on my current and previous cards would be blocked.

2. A replacement card would be issued.

3. No recurring merchant will receive the new card information.

4. The old card would no longer authorize any transactions.

Despite these assurances : 1. I never activated the new replacement card.

2. I never shared the new card information with anyone. 


Yet, charges continued to appear, the latest XXXX on XXXX XXXX for XXXX XXXX American Express claims these charges are now appearing on the new card, which was neither activated nor disseminated by me. 


This situation is deeply alarming and demonstrates a failure of American Express to : 1. Properly enforce a hard block, which I was assured would fully protect my account.

2. Safeguard my consumer rights and account security.

3. Provide truthful or consistent communication regarding their actions.

Additionally, the continued unauthorized charges have caused me extreme trauma, anxiety, and sleeplessness, affecting my mental health and personal well-being.

My concerns are : 1. How are transactions processed on an inactive, unactivated card?

2. How did XXXX ( or any merchant ) obtain and charge a new card I never used or shared and was told by Amex that they won't receive new card information? I was told - Ill put the hard block after this replacement on all previous cards for this account so that no recurring merchant will receive the new card information.

3. Why did the so-called " hard block '' have absolutely no impact?

This raises serious questions about American Express ' internal controls, its handling of customer requests, and potential violations of consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am writing to file a formal complaint against Synchrony Bank ( SYNCB ) concerning the severely inaccurate and potentially harmful credit reporting of my account with XXXX XXXX ( Account Number : XXXX ). 

I opened a charge card account with SYNCBXXXX XXXX XXXX XX/XX/XXXX, with a credit limit of {$3400.00}. My credit report currently displays contradictory information regarding this account. It states that the account was " charged off '' and a balance of {$3200.00} was " written off '' as of XX/XX/XXXX. However, it simultaneously continues to report a past due balance of {$3200.00} as of XX/XX/XXXX. This inconsistent reporting is not only confusing but also demonstrably inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ), specifically including but not limited to Sections 602 and 623 ( 15 U.S.C. 1681 and 1681s-2 ), which guarantee my right to accurate credit reporting. 

Furthermore, despite the reported " write-off '' in XX/XX/XXXX, I have never received a Form 1099-C, Cancellation of Debt, from Synchrony Bank. According to IRS regulations, a lender is generally required to issue this form when a debt of {$600.00} or more is discharged. The absence of this crucial tax document strongly suggests that the " written off '' status reported to the credit bureaus is either entirely false or intentionally misleading.

The continued reporting of a balance due on an account that SYNCB claims to have " written off, '' coupled with their failure to issue the legally required 1099-C, constitutes a gross misrepresentation of my financial obligations and is severely damaging my creditworthiness. This inaccurate reporting directly contravenes the principles of fair and accurate credit reporting as mandated by the FCRA.

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 2025-04-27 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 writing to formally request the removal of a fraudulent credit inquiry from my credit report. Upon reviewing my credit report, I identified an inquiry that was not authorized by me and appears to be the result of fraudulent activity. Under the Fair Credit Reporting Act ( FCRA ), Specifically, Section 604 ( a ), a credit inquiry can only be made with my explicit consent or as part of a transaction or application that I initiated. Since this inquiry does not meet these criteria, it is clear that it was made without my authorization and is therefore fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries on my credit record. Despite sending validation request letters over 30 days ago, I have received no response from the creditor, and they have failed to provide satisfactory validation of these alleged late payments as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 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: TX

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX ( XXXX ) XXXX | XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Final Demand to Delete Inaccurate Account ( XXXX XXXX XXXX XXXX XXXX XXXX  ) Under FCRA 1681s-2 ( b ) & Metro 2 * * Per FCRA 1681i and Metro 2 3.2.1 : 1. You continue reporting invalid " collection '' account ( # XXXXXXXX XXXX XXXX XXXX XXXX ) without : - Proof of debt ownership ( 1681g ( a ) ( 1 ) ) - Valid payment history ( Metro 2 4.4 ) 2. Your CFPB response ( XX/XX/XXXX ) admitted disputes but failed to correct inaccuracies. 

* * Demand * * : Delete this account * * immediately * * or face : - FDCPA lawsuit ( $ XXXXviolation ) for continued false reporting - Escalation to Texas AG for deceptive collections ( Tex. Fin. Code 392 ) * * No further contact * * except written deletion confirmation. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NV

Complaint narrative:
I retrieved my credit report for all 3 bureaus. I realized that after I requested loan forgiveness months later on the XXXX report, about a year later, the balance reflects {$0.00} due for all of the XXXX loans reflected on the report. I show for Equifax and XXXX that the balance is still reflected for loans due. I have also been involved in several data breaches with these credit agencies. I want to rid myself of this and also communicate to XXXX that the balance is due per the XXXX credit report. Please assist and help this be removed from my credit report for this reason. 

This information is inaccurate as it violates the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates that consumer reporting agencies maintain accurate information. I believe this report is not reflective of my credit history due to the data not being consistent among all 3 credit agencies. 

Under the FCRA, you are required to investigate my dispute and correct any errors within 30 days. I also request that you provide me with a copy of the updated credit report once these corrections have been made. 

If you determine that the information is indeed inaccurate, you must notify all parties that reported this information to you, as mandated under 1681i.

Thank you for your attention to this matter. I look forward to your prompt response to my dispute. 

Sincerely, Please let me know what I need to do additional in regards to this issue. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-28 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: NV

Complaint narrative:
I retrieved my credit report for all 3 bureaus. I realized that after I requested loan forgiveness months later on the XXXX report, about a year later, the balance reflects {$0.00} due for all of the XXXX loans reflected on the report. I show for XXXX  and Experian that the balance is still reflected for loans due. I have also been involved in several data breaches with these credit agencies. I want to rid myself of this and also communicate to XXXX that the balance is due per the XXXX credit report. Please assist and help this be removed from my credit report for this reason. 

This information is inaccurate as it violates the Fair Credit Reporting Act ( FCRA ) [ 15 U.S. Code 1681 ], which mandates that consumer reporting agencies maintain accurate information. I believe this report is not reflective of my credit history due to the data not being consistent among all 3 credit agencies.

Under the FCRA, you are required to investigate my dispute and correct any errors within 30 days. I also request that you provide me with a copy of the updated credit report once these corrections have been made.

If you determine that the information is indeed inaccurate, you must notify all parties that reported this information to you, as mandated under 1681i.

Thank you for your attention to this matter. I look forward to your prompt response to my dispute.

Sincerely, Please let me know what I need to do additional in regards to this issue. 

Thank you for your time.

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 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am writing to file a formal complaint against TDRCS concerning the severely inaccurate and potentially harmful credit reporting of my account with XXXX XXXX XXXX. 

I opened a charge card account with XXXX XXXX XXXX XX/XX/XXXX, with a credit limit of {$2700.00}. My credit report currently displays contradictory information regarding this account. It states that the account was " charged off '' and a balance of {$1900.00} was " written off '' as of XX/XX/XXXX. However, it simultaneously continues to report a past due balance of {$1900.00} as of XX/XX/XXXX. This inconsistent reporting is not only confusing but also demonstrably inaccurate and a violation of the Fair Credit Reporting Act ( FCRA ), specifically including but not limited to Sections 602 and 623 ( 15 U.S.C. 1681 and 1681s-2 ), which guarantee my right to accurate credit reporting.

Furthermore, despite the reported " write-off '' in XXXX XXXX I have never received a Form 1099-C, Cancellation of Debt, from TDRCS. According to IRS regulations, a lender is generally required to issue this form when a debt of {$600.00} or more is discharged. The absence of this crucial tax document strongly suggests that the " written off '' status reported to the credit bureaus is either entirely false or intentionally misleading.

The continued reporting of a balance due on an account that TDRCS claims to have " written off, '' coupled with their failure to issue the legally required 1099-C, constitutes a gross misrepresentation of my financial obligations and is severely damaging my creditworthiness. This inaccurate reporting directly contravenes the principles of fair and accurate credit reporting as mandated by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
Cease and Desist Dear TRUE ACCORD CORP, ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: KY

Complaint narrative:
Cease and Desist Dear I C SYSTEM, ( ACCT. # XXXX ) This notice is Pursuant to 15 U.S. Code 1692 ( c ) I am telling your company that I refuse to pay this alleged debt and that you cease communication regarding this debt through all mediums. Mediums would be phone, email, consumer report.

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 2025-04-27 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: TX

Complaint narrative:
XXXX XXXX XXXX Dates XX/XX/year> To Whom It May Concern, I am formally disputing the accuracy and completeness of the account information being reported for : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Upon detailed review, I have identified violations of the Fair Credit Reporting Act ( FCRA ) and non-compliance with the Metro 2 reporting format, which the Consumer Data Industry Association ( CDIA ) requires for accurate reporting.

Specifically, the reporting of a late payment on this account does not adhere to the Metro 2 compliance standards, which constitute inaccurate and incomplete information under FCRA 15 U.S.C. 1681s-2.

You are now required to either : Provide verifiable, documented proof that the reported information meets every standard of Metro 2 formatting compliance ; or Permanently delete the inaccurate tradeline from all consumer reporting agencies immediately. 

Failure to correct and remove the inaccurately reported late payment will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I will also pursue private legal remedies available under FCRA statutes, including statutory damages, attorneys fees, and court costs. 

You are obligated to complete this investigation within 30 days of receipt of this dispute as outlined in the FCRA. Please provide your findings and a new copy of my credit report reflecting these corrections. 

This letter serves as my final attempt to resolve this matter directly. 

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 explanation
Consumer complaint received 2025-04-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

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. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

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