vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$150.00} XXXX # XXXX XX/XX/XXXX -- {$750.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$5600.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$0.00} XXXX # XXXX XX/XX/XXXX -- {$450.00} XXXX # XXXX XX/XX/XXXX -- {$1000.00} UNAUTHORIZED INQUIRIES : XXXX XXXXXXXX XXXX XX/XX/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
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Bank of America, for no stated reason, ended a multiple year relationship. They closed down my checking accounts, my credit card accounts, my business accounts and my brokerage account. They only said " they are required to track information, and they decided to close the accounts. '' On top of that, they confiscated several thousand dollars of credit card rewards. 

I feel like this might be part of the we close down conservatives push that others have sued for. 

Although I respect the right for a company to not do business with anyone who is not profitable, I do not respect the right for them to confiscate rewards just because they can, and I also think they should give a reason for a shutdown - especially if they're going to steal thousands of dollars. 

Ideally, they will reinstate all accounts with an apology, but at the very least, they need to return the rewards they've confiscated unless they have a reason of fraud or something illegal ( which they won't have because I have done nothing illegal ).

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 2025-10-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf.

This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. This is a formal complaint against AMERICAN EXPRESS a data furnisher to the national credit reporting agencies, for their violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681s-2 ( b ). I previously submitted a dispute challenging the accuracy and completeness of the tradeline they reported. Despite being notified through the credit reporting agency, the furnisher failed to : Conduct a proper reinvestigation, Review documentation I provided, Correct or delete inaccurate or unverifiable information, And provide a clear method of verification or result of reinvestigation. Instead, they verified the data as accurate without providing any proof or validation, a clear violation of their duties under the FCRA. Key Violations : 1.15 U.S.C. 1681s-2 ( b ) ( 1 ) ( A ) ( D ) : Failure to conduct a reasonable investigation and correct information when notified of a dispute. 2.15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ) : Failure to provide me with the name and contact information of the party who verified the information. 3.15 U.S.C. 1681e ( b ) : Reporting inaccurate information without maintaining procedures for accuracy. AMERICAN EXPRESS XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
This company garnished my money out of my account without asking my permission and my bank did not send me any information or ask my permission. They are not able to give me any information about this matter. I did not give my account details to anyone and I dont know how they know my bank details. The company that took my money without my permission is Legal court. I did not receive any notice, summons or suing information. They steal it.

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 2025-10-02 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:
This account is inaccurately listed under my credit profile.

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 2025-10-02 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: CA

Complaint narrative:
Kindly remove this record and provide me with written proof of its removal.

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Kindly remove this record and provide me with written proof of its removal.

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 2025-10-02 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian refuses to remove the Delinquency due to divorce proceedings remark, you can escalate immediately. 




Subject : Complaint Regarding Inaccurate Credit Report Information Experian Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN ( last XXXX digits ) : ____ Date of Birth : XXXX XXXX : [ Your contact info ] Company : Experian XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Complaint : I am disputing inaccurate and inappropriate information on my Experian credit report dated XX/XX/XXXX. The report contains the following : XXXX. Divorce-Related Delinquency Remark : Statement : DELINQUENCY DUE TO DIVORCE PROCEEDINGS ( dated XX/XX/XXXX ) This information is inaccurate, misleading, and not permissible under the Fair Credit Reporting Act ( FCRA ). Personal circumstances such as divorce should not appear on a credit report. 
XXXX. Additional Inaccurate Information : Old/incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already submitted a dispute to Experian requesting deletion of this inaccurate information, but the company has refused to remove or correct it. 

Requested Action : Immediate deletion of the inaccurate Divorce Delinquency remark Correction/removal of all outdated names, addresses, and employer information Provide me with a corrected copy of my Experian credit report Thank you for investigating this matter and taking action to ensure my credit report is accurate and compliant with the FCRA. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Experian refuses to remove the Delinquency due to divorce proceedings remark, you can escalate immediately. 




Subject : Complaint Regarding Inaccurate Credit Report Information Experian Your Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN ( last XXXX digits ) : ____ Date of Birth : XXXX XXXX : [ Your contact info ] Company : Experian XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX Complaint : I am disputing inaccurate and inappropriate information on my Experian credit report dated XX/XX/XXXX. The report contains the following : XXXX. Divorce-Related Delinquency Remark : Statement : DELINQUENCY DUE TO DIVORCE PROCEEDINGS ( dated XX/XX/XXXX ) This information is inaccurate, misleading, and not permissible under the Fair Credit Reporting Act ( FCRA ). Personal circumstances such as divorce should not appear on a credit report. 
XXXX. Additional Inaccurate Information : Old/incorrect names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have already submitted a dispute to Experian requesting deletion of this inaccurate information, but the company has refused to remove or correct it. 

Requested Action : Immediate deletion of the inaccurate Divorce Delinquency remark Correction/removal of all outdated names, addresses, and employer information Provide me with a corrected copy of my Experian credit report Thank you for investigating this matter and taking action to ensure my credit report is accurate and compliant with the FCRA. 

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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This account is inaccurately listed under my credit profile.

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 2025-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
I am writing to dispute a debt that has been improperly reported to my credit file. I previously contacted the collections company directly, and during that call I explained that this debt does not belong to me. The representative confirmed that the account would be removed, and it was in fact taken off my credit report for a brief period. However, the account was later reinserted without justification or notice, despite my clear dispute. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information and to expect that only accurate, verified information be reported. Reinserting an account that was previously removed, without providing proper notice and validation, is a violation of these protections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
b'Subject: Dispute of Incorrect Personal Information on Credit Report\nDear Experian,\nI hope this letter finds you well. I am writing to dispute certain items on my credit report that I believe to be\ninaccurate and unauthorized. After reviewing my credit report, I have identified the erroneous items that\nwere not authorized by me. I kindly request your assistance in investigating and rectifying these\ndiscrepancies.\nBelow are the items which I am disputing:\n* Please remove these incorrect address(es) from my credit report immediately. My correct current\naddress is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXI request that you conduct a thorough investigation into these matters and provide me with the results at\nyour earliest convenience. If you find that these items are indeed inaccurate or unauthorized, I\nkindly request the removal of these items from my credit report.\nI understand that you have XXXX  days to investigate and respond to my dispute, as stipulated by the\nFair Credit Reporting Act (FCRA). Your prompt attention to this matter is appreciated.\nPlease send me written confirmation once the investigation is complete and the inaccurate information\nhas been removed from my credit report.\nThank you for your prompt attention to this matter. I look forward to a swift resolution.'

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 2025-10-02 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: CA

Complaint narrative:
Kindly remove this record and provide me with written proof of its removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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: CA

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: NJ

Complaint narrative:
I am formally disputing the accuracy and validity of the charge-off account reported by your company and listed on my credit file. This account is being reported in a manner that violates the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my credit standing. 

Upon reviewing my credit reports, I have found inaccuracies and incomplete information regarding this alleged account, including but not limited to : Dates of first delinquency and charge-off are inconsistent. 
The balance, past due amount, and status are not accurately reported. 
The account does not reflect complete and verifiable records of the debt.

Under FCRA 609 ( a ) and FCRA 611, I am requesting the following : XXXX. Full validation and documentation proving this account was lawfully established and charged off. 
XXXX. Copies of the original signed contract or agreement bearing my signature. 
XXXX. A detailed payment history, including how the balance and charge-off status were calculated. 

If you can not provide complete and verifiable documentation within the legally required time frame, I demand that this account be deleted immediately from all credit reporting agencies as required by the FCRA. 

Please note that continuing to report unverifiable or inaccurate information is a direct violation of federal law. I am prepared to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General if necessary. 

I expect your investigation and response within the required XXXX  days. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
LVNV purchased illegal debt. I paid off XXXX which reflects XXXX balance my credit report ( see attachment ) yet LVNV is reporting the same exact account but saying I owe them money. I have asked them several times to remove that false reporting and they failed to do so. Now I am making this report and pursing a tort claim against them.for damages. I have disputed those charges several times, sent plenty of letters to no avail. So now I must take the next steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: ND

Complaint narrative:
I am writing to formally dispute XXXX unauthorized transactions that occurred on my XXXX account on XX/XX/year>. These transactions, made by XXXX XXXX, withdrew {$650.00} and then {$44.00}, for a total of {$690.00} without my knowledge or authorization. 

I immediately filed a dispute with XXXX regarding these charges. However, my claim was incorrectly denied and categorized as not unauthorized. I want to make it clear that I did not authorize these transactions, I did not receive any goods or services from them, and I did not provide consent for XXXX XXXX ( or anyone else ) to access or withdraw funds from my account. 

This is a case of unauthorized access and theft, and I am formally requesting : XXXX. A full review and reopening of my case. 


XXXX. Reversal of these fraudulent charges. 


XXXX. A refund of the total amount stolen ( {$690.00} ) back into my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I have not consented to this inquiry, nor did I speak with the lender on the specified date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
2 different XXXX XXXX accounts does not provide a complete account # it is not accurate and should be removed says it was discharged through bankruptcy XXXX  XXXX accounts should be removed XXXX XXXX  does not provide a complete account number Says it was discharged through bankruptcy XXXX  XXXX should be removed XXXX XXXX  does not provide a complete account number says it was discharged through bankruptcy XXXX XXXX should be removed XXXX XXXX does not provide a complete account number says it was discharged through bankruptcy XXXX  XXXX should be removed XXXX XXXX  does not provide a complete account nubmer says it was discharged through bankruptcy XXXX  XXXX should be removed XXXX  XXXX  XXXX XXXX XXXX  does not provide a complete account number says it was discharged through bankruptcy XXXX  XXXX should be removed XXXX  XXXXdoes not provid a complete account number says it was discharged through bankruptcy XXXX  XXXX should be removed

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