vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX XXXX NA XX/XX/XXXX EXPERIAN, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX EXPERIAN, XXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN, XXXX XXXX XX/XX/XXXX TRANSUNION, XXXX XXXX NA XX/XX/XXXX EXPERIAN, XXXX XX/XX/XXXX EQUIFAX, XXXX XXXX XXXX EXPERIAN, XXXX XX/XX/XXXX EQUIFAX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX EQUIFAX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-11 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: 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, 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 2025-08-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for and was approved for the Delta Reserve American Express Card and paid the {$650.00} annual fee based on the prominently advertised benefit : Enjoy a Companion Certificate on a First Class, Delta Comfort+, or Main Cabin round-trip flight within the U.S. and to XXXXXXXX XXXX XXXXXXXX, or XXXX XXXX each year after renewal of your Card.

The marketing language reasonably leads consumers to believe that the companion certificate is included with the first year of membership after paying the annual fee. Nowhere in the primary promotional materials does it clearly disclose that the benefit is excluded from the first year and only issued after paying a second annual fee. 
After receiving the card, I contacted American Express via chat to inquire about my companion certificate. I spoke with three representatives, including a supervisor ( XXXX ), who confirmed that the certificate is not provided until after renewal in the second year. I have saved screenshots of the websites marketing language as well as transcripts of my conversations. 

This benefit was a material factor in my decision to pay the {$650.00} annual fee. The omission of a clear and prominent disclosure that the benefit is not available in the first year is misleading and constitutes an unfair business practice. 
Desired Resolution : Immediate issuance of the companion certificate for my current membership year, or Statement credit or SkyMiles equivalent to the fair market value of the benefit.

I am requesting that the CFPB review this matter as misleading advertising under the Truth in Lending Act and applicable consumer protection statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, I discovered fraudulent accounts and inquiries appearing on my credit reports from all three credit bureaus as a result of identity theft. The fraudulent accounts include : a credit card with XXXX XXXX XXXX XXXX  XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$4800.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; a credit card with XXXX XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$1500.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; a credit card with Capital XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$7800.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ) ; and a personal loan with XXXX XXXX opened on XX/XX/XXXX, with fraudulent charges totaling {$14000.00} ( discovered XX/XX/XXXX, fraud began XX/XX/XXXX ). These accounts were opened without my knowledge or consent using stolen personal information, likely online via misuse of my Social Security number. 
Additionally, unauthorized hard inquiries appeared from entities including XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX contributing to fraudulent collections and negative reporting. 
On XX/XX/XXXX, I filed an FTC Identity Theft Report ( Report Number XXXX ) detailing the fraud. The same day, I reported the identity theft to local police ( XXXX XXXX Police Department, Tracking Number XXXX ), classifying it as misdemeanor theft involving credit/debit cards and loans. 
No actions have been taken by the credit bureaus or companies yet, as this is my initial dispute. These inaccuracies have resulted in fraudulent collections, which I demand cease under the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ). Pursuant to the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681c-2 ), I request that all three credit bureaus immediately block the fraudulent information from my credit reports, investigate the disputes within 30 days ( FCRA 1681i ), notify the furnishers, and provide me with updated reports confirming removal of the accounts, inquiries, and any related derogatory marks. Failure to comply may violate FCRA requirements for accuracy and dispute 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Subject : Identity Theft Dispute and Request for Deletion of Fraudulent Account Pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) To Whom It May Concern, I am writing to formally notify you that I am a victim of identity theft and a data breach, and that fraudulent information has been added to my credit report without my knowledge, authorization, or consent. 

Disputed Account Details : Creditor Name : XXXX XXXX  XXXX Account Number ( Partial ) : XXXX Status : Negative / Fraudulent This account does not belong to me. 
This account was fraudulently opened as a result of identity theft. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ), I am requesting that this fraudulent account be blocked and permanently deleted from my credit file within four ( 4 ) business days from the receipt of this notice and accompanying documentation. FCRA Provisions Referenced : 15 U.S.C. 1681c-2 ( 605B ) : Identity Theft Blocking 15 U.S.C. 1681i : Procedure for disputed accuracy 15 U.S.C. 1681e : Obligation to maintain reasonable procedures to ensure maximum possible accuracy My Formal Requests : Immediately block and delete the above-referenced account under FCRA 605B .

Conduct a reasonable investigation into this matter in accordance with FCRA 1681i. 
Provide all original documentation ( such as signed applications or agreements ) that proves this account belongs to me. 
If no such documentation exists, the account must be removed. 
Send written confirmation of the outcome of your investigation and what actions have been taken. 
Attached Supporting Documentation : Copy of my government-issued photo ID ( Drivers License ) Copy of a recent utility bill or official mail ( proof of address ) Copy of my FTC Identity Theft Report and/or Police Report Documentation of the Equifax Data Breach Settlement XXXX evidence of compromised personal data ) These materials support my claim that I am a victim of identity theft and that I did not authorize, apply for, or open the XXXX XXXX  account currently listed in my credit file. 
Please treat this matter as urgent and legally binding. If the fraudulent account is not removed in compliance with federal law, I will pursue further action by filing formal complaints with the following agencies : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) My State Attorney Generals Office Thank you for your prompt attention. I look forward to receiving your written confirmation that this account has been successfully removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: IN

Complaint narrative:
I learned through checking my credit score that my credit had dropped significantly because Nelnet had been saying I was late on payments since XXXX of XXXX. From XXXX to XXXX I had no emails regarding my student loans I also didnt even have an account set up so, I got ahold of them and they said that they couldnt do anything to change it so I got ahold XXXX XXXX XXXX and they told me to get ahold of the department of education XXXX So I did and they informed me that they werent showing any delinquencies on my account. So after that I filed a dispute through XXXX XXXX I also filed a credit retraction. Im in the process of trying to buy a house and this has been a very big bump in the road. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/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 XXXXXX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under 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 non-monetary relief
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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 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

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 2025-08-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TekCollect Inc.
State: FL

Complaint narrative:
I opened an account with XXXX XXXX XXXX 2 months before they went bankrupt, not knowing they were going bankrupt and not being told I may not get the service I signed up for. I did receive my aligners in the mail and I did use a month and a half before the trays stopped fitting on my teeth, I couldnt even use them after that. Because they supposedly went bankrupt and out of business their XXXX XXXX  guarantee went out the window, there was no way to get aligners that actually fit or worked. I am now being contacted by this Tek Collect company that bought the account from XXXX, who was only the payment processor after the company closed. We were told we still had to pay even if we could no longer use the product. It has in fact hit my credit, which whatever I guess. Imagine my surprise to find out XXXX XXXX actually started a new company and reopened basically doing the exact same thing they were before. The company is called XXXX and has an XXXX  advertising they are powered by XXXX XXXX Tek Collect is also trying to make me pay more than I know my original contract was for, and yes I am looking for it in hopes I didnt throw it away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
According to 15 usc 1681 I have the right to dispute inaccurate and unverifiable Information that's on my credit report. I disputed multiple times with credit bureaus and it's coming back as updated and verified without a proper investigation.The company failed to send me any of the information I requested even with my other complaint they never sent verification of debt, the ORIGINAL Contract bearing my signature & explanation of the amount and how it was calculated.

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 2025-08-10 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY

Complaint narrative:
PennyMac Loan Services is inaccurately reporting a 60-day late payment on my FHA mortgage account # XXXX despite the loan being paid in full and closed as of XX/XX/. 
The reported delinquency is not supported by documented evidence and does not accurately reflect my payment history. 
Under FCRA 623 ( a ) ( 1 ) ( A ), furnishers must not report information they know or should know is inaccurate.

Under RESPA error resolution requirements ( 12 U.S.C. 2605 ), mortgage servicers must investigate and correct any disputed payment history upon notice. 
This inaccurate reporting materially harms my creditworthiness despite the loans positive closure status. 

I have not been provided with any proof that the alleged late payment occurred. If PennyMac can not produce full documentation verifying the accuracy of this derogatory entry, it must be deleted from my reports. 

Requested Resolution : Immediate removal of the 60-day late payment from all credit reporting agencies and written confirmationofcorrection.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am the Trustee for the XXXX XXXX XXXX Estate Living Trust, the secured party in interest over the credit file for XXXX XXXX XXXX. On multiple occasions, I served Experian lawful notices, including an Identity Theft Affidavit, UCC-1 Financing Statement, Security Agreement, Trust Enforcement Fee Schedule, and a Default Notice dated XXXX XXXX, 2025. Experian replied to some of these notices stating that my dispute was ready for review but when I tried to review the results, I received a notification that the dispute results were unavailable online.

Experian has willfully violated the Fair Credit Reporting Act by : FCRA 605B : Failing to block fraudulent tradelines identified as identity theft.

FCRA 605 ( a ) : Continuing to report 51 obsolete and inaccurate items, including tradelines over 7 years old.

Refusing to acknowledge my lawful standing as Trustee and Secured Party, instead demanding unnecessary public ID documents after receiving trust verification. 


On XXXX XXXX 2025, Experian dishonored my presentments including my Default Notice in writing. Their refusal to comply constitutes breach of statutory duty, commercial dishonor, and causes ongoing harm, including unauthorized publication of trust property, emotional and reputational injury, administrative costs, and statutory damages totaling over {$1.00} million per my attached Fee Schedule and Notice of Lien.

I request that the CFPB compel Experian to : ( 1 ) Immediately remove all inaccurate, obsolete, and fraudulent entries from my credit file ; ( 2 ) Cease any demand for unnecessary public ID documents ; and ( 3 ) Compensate the Trust for all damages as stated in my attached exhibits.

Attachments : UCC-1 Financing Statement, Security Agreement, Identity Theft Affidavit, Fee Schedule, Default Notice & Proof of Service , Experian Denial Letter, Notice of Lien, Trust Enforcement Declaration

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 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently applied for credit and notice 4 fraud accounts on my credit report XXXX ending in XXXX and XXXX, XXXX XXXX XXXX ending in XXXX and XXXX XXXX XXXX ending in XXXX. I have attached the necessary documents dates amounts to have these accounts blocked from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am disputing multiple hard inquiries that appear on my credit report without my authorization or permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I recently reviewed my credit report and identified one or more hard inquiries that I did not authorize. Specifically : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/year> Under the FCRA, a hard inquiry may only be made with my written authorization or for another legally permissible purpose. I have never applied for credit or otherwise provided authorization to these companies for these inquiries.

I disputed these inquiries directly with the credit bureau ( s ), but they failed to provide proof of my authorization, a copy of any signed application, or documentation showing permissible purpose. Instead, they allowed the inquiries to remain, despite not verifying them with original source documentation. 

This is a violation of : FCRA 604 ( a ) Permissible purposes of consumer reports.

FCRA 611 Failure to conduct a reasonable investigation of disputed information.

Company response to consumer: Closed with explanation