vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am filing this complaint because XXXXXXXX XXXX continues to report late payments and delinquency on my Experian credit report, even though the account is covered under a formal Account Restructure Program ( ARP ) with confirmation number XXXX. 

Under this agreement, XXXXXXXX XXXX approved a restructured payment plan of {$20.00} per month at a fixed 6 % APR until the balance is paid in full. As part of this arrangement, once three consecutive payments are made, the account is considered current and must not be reported as late. 

On XX/XX/year>, I made three payments totaling {$60.00}, fulfilling that requirement. Despite this, XXXXXXXX XXXX  continues to furnish false late payment information to Experian. This is damaging my credit score and violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 



Violations Cited : FCRA 1681e ( b ) : Experian failed to maintain reasonable procedures to assure maximum possible accuracy. 
FCRA 1681i ( a ) ( 1 ) : Experian failed to promptly reinvestigate and correct inaccurate information within 30 days.

FCRA 623 ( a ) ( 1 ) ( A ) : XXXXXXXX XXXX furnished information known or believed to be inaccurate. 
FCRA 623 ( a ) ( 2 ) : XXXXXXXX XXXX failed to correct or update information once it became inaccurate. 
FCRA 1681i ( a ) ( 5 ) ( A ) : Experian failed to delete unverifiable information. 

XXXXXXXX XXXX own written communication states that after three consecutive ARP payments, the account must be marked current. Therefore, continuing to report late payments is inaccurate, misleading, and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
The problem started with my first payment setup through autopay with ally financial. My payment is XXXX a month and I was charged for the months of XXXX and XXXX. I cancelled auto pay. I maintained regular payments up until recently, times have been hard due to an injury that left me on state XXXX. I fell behind the month of XXXX of this year. on XX/XX/XXXX I went to pay ally finincial, but they won't allow to pay me directly though there website, instead they uses a third party service. it was noticed that I was liable at the time for XXXX payments, which I attempted to make, but they were not accepted although the funds were in my account. I decided to call them the next morning and pay via the phone on XX/XX/XXXX and noticed that my bank account had been overdrawn and was now in the negative. Ally financial accessed my XXXX XXXX checking account. Ally financial charged me for XXXX ( a month I had paid for and is reflected on their website ). In addition they charged me for the payments I was liable for as well as the next payment due on XX/XX/XXXX, a month in advance. By doing this, charging me in advance, charging me twice for XXXX, I was left in the negative as regular automatic payments from other service were processed and {$35.00} overdraft fees stacked up, XXXX XXXX closed my accounts which I have had for 20 years. When I called them they insisted that I did not pay for XXXX although it says I did on their website, I just paid them via my XXXX XXXX  account, they denied ever receiving money. When I brought up the payment for XXXX a month in advance, they did not have an answer. when I asked how they processed the payment when I did not authorize it they could not provide a solid answer. They refunded the total amount of XXXX dollars, however at that time my account was in the negative and it mostly went putting my account back into the positive. This happened the first time they charged me for a future payment. I consulted a lawyer and was told that charging me for months we are not even in yet is illegal and to contact you. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IL

Complaint narrative:
4 years ago I moved abroad for work, after which my American Express XXXX card expired. So I requested a replacement card, which never arrived. When I tried to cancel the account, the only chat agent sweet-talked me into keeping the account and promised to send me a new card. It never arrived either. I was charged {$550.00} that year. 

2024 I wanted to cancel the account again, again a chat agent said, in order to keep me as a valued customer, they could waive me the {$550.00} and move me into a lower tier so I paid {$150.00} to remain enrolled. And they promised to send me a new card. It never arrived. 

This year they charged me again and I requested a fee waive and to cancel my account, they denied my request because the grace period ended about 2 months ago ( during the whole time I was not able to use any of the benefits. And the payment I used the card for was a online subscription ). I also want to mention American Express never tried to reach my via phone. 

In summary, American Express chose not to waive a annual fee even though they failed to supply me with a physical card for 4 years and failed to provide me the service I was charged for, even though I have paid for the services not rendered in the past. And because now I am refusing to pay for the charge, my credit report is set to be damaged.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: MA

Complaint narrative:
I am filing this complaint because my credit report is inaccurately reporting late payments on my federal student loans during the COVID-19 national emergency. Under the CARES Act and the HEROES Act of 2003 ( Public Law 108-76 ), all federal student loan payments were suspended, interest was reduced to 0 %, and collections were halted from XX/XX/XXXX, through XX/XX/XXXX. During this period, borrowers were not required to make payments, and no negative or delinquent credit reporting was permitted. 

However, my credit report still shows XXXX or more late payments reported within the federally mandated suspension period. These derogatory entries are factually incorrect, violate federal law, and are negatively impacting my credit profile and financial opportunities.

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 2025-11-04 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:
Unauthorized access to my credit report by several companies has directly harmed both my credit and credit score. I previously contacted your agency and was assured by a representative that these unauthorized inquiries would be removed. That promise has not been fulfilled these inquiries still remain. This failure to act is completely unacceptable. The continued presence of these potentially fraudulent entries is highly alarming and strongly suggests possible identity theft. This unresolved issue is inflicting ongoing emotional and financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: WA

Complaint narrative:
Im writing in regards to XXXX  XXXX account # XXXX. This account keeps reporting as late on my report every month, I settled this account in full months ago XXXX to 8 months later its still being reported as late and charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: WA

Complaint narrative:
Im writing in regards to XXXX  XXXX account # XXXX. This account keeps reporting as late on my report every month, I settled this account in full months ago XXXX to 8 months later its still being reported as late and charge off

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 2025-11-04 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: CA

Complaint narrative:
This complaint is being filed against Equifax Information Services LLC for multiple and willful violations of the Fair Credit Reporting Act ( FCRA ), specifically XXXX, XXXX ( b ), and XXXX ( a ). Despite formal notice of dispute and documented evidence, Equifax continues to inaccurately report a paid XXXX account ( Account # XXXXXXXX XXXX XXXX XXXX XXXX ) as a Collection/Charge-off with a {$0.00} balance and a Paid status. This is misleading and factually incorrect, implying an unpaid derogatory debt when the account has been satisfied in full. 

XXXX response to the dispute failed to meet its statutory duty under FCRA XXXX ( a ) to conduct a lawful and reasonable reinvestigation. The remark Dispute resolved ; reported by grantor lacks evidentiary support and does not constitute valid verification under federal law. XXXX continued publication of inaccurate information demonstrates negligence and reckless disregard for the consumers right to accurate reporting as mandated under FCRA XXXX ( b ). This noncompliance has caused undue harm to the consumers creditworthiness, emotional well-being, and overall financial reputation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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 just checked my credit report again and those inaccurate accounts are still there. They were never taken off, and this has been extremely stressful for me. I am pleading that you carefully review the documents Ive attached so I can finally stop worrying about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: MI

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case.

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to formally address a serious issue regarding my personal information, which has been compromised during a critical time as I attempt to purchase a house. The situation has severely impacted my mental well-being, and I demand immediate action. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681g and 15 U.S.C. 1681g ( a ) ( 4 ) ), my consumer rights have been violated. I require the immediate removal of any unauthorized accounts linked to my name. 

Failure to address this matter promptly will lead me to take further action to protect my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: LOBEL FINANCIAL CORPORATION
State: FL

Complaint narrative:
I REQUESTED THE CONTRACT THAT I SIGNED THE DATES ARE NOT ACCURATE THE AMOUNT IS NOT ACCURATE I HAVE TRIED SEVERAL TIME TO REACH OUT TO THEM

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 seven 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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:
Experian.com is allowing illegal and unlawful reporting to 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 2025-11-04 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency has failed to properly reinvestigate and verify the accuracy and completeness of all information in my credit file as required under the Fair Credit Reporting Act ( FCRA ) 609 [ 15 U.S.C. 1681g ] and 611 [ 15 U.S.C. 1681i ].

Despite my written request for a full file reinvestigation, the bureau either failed to provide complete verification details or refused to confirm that the information reported was fully substantiated by the original furnishers. This noncompliance prevents me from confirming the accuracy of my own consumer file and violates my rights under federal law.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-11-04 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: OH

Complaint narrative:
I am submitting this formal complaint regarding a collection account being reported by I.C. System, Inc. on my XXXX  credit report in violation of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c and related provisions under 15 U.S. Code 1692e and 1692g.

Basis for Complaint : Under 15 U.S. Code 1692c ( a ), debt collectors are prohibited from communicating with a consumer regarding any debt without consent or legal authorization, particularly when the consumer has not received proper validation of the alleged debt. I have not received any written notice of validation, original creditor details, or contract bearing my signature establishing this alleged obligation. Reporting this account to XXXX  without proper validation constitutes unauthorized communication of false or unverified information, violating both the FDCPA and 15 U.S. Code 1681s-2 ( a ) of the Fair Credit Reporting Act ( FCRA ).

Additionally, under 15 U.S. Code 1692e ( 8 ), a debt collector may not communicate or threaten to communicate false credit information, including failing to communicate that a debt is disputed. I.C. System has continued to report this unverified account despite my lack of verification or consent.

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 2025-11-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: PA

Complaint narrative:
I received a collection on my report again for the second time this year. I ask the collection agency to send proof this debt belongs to me, I thought XXXX and I resolve the issue in XXXX of this year when XXXX XXXX XXXX had the debt. Now IC have the debt and saying I owe the same amount after I thought the issue was resolve. When I had an account with XXXX that was years ago. I turned in the equipment and canceled the service and had a XXXX balance. I believe this debt is being past around to different collection agency. I need this debt to be investigated so we can resolve this issue that keep coming on my credit 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 2025-11-04 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: IA

Complaint narrative:
I been disputing these account that are not mine for the past four months continuously and I keep getting the same response from all the three credit agencies and the company reporting these information I have Multiple account reporting on my credit reporting information that are not mine The account name are Experian, TransUnion, Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: IA

Complaint narrative:
I been disputing these account that are not mine for the past four months continuously and I keep getting the same response from all the three credit agencies and the company reporting these information I have Multiple account reporting on my credit reporting information that are not mine The account name are Experian, TransUnion, Equifax XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Citibank closed my account XXXX after it got hacked they have my money locked up for more than 60 days

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