vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: MI

Complaint narrative:
American Express credit card company have charged full year annual fees in spite of me not using for more than few weeks for new XXXX credit card. This is illegal / fraudulent procedure to charge customers when customer has not used their product for entire time period. 

I had applied that credit card through their partners XXXX at the airport and I was told that this has great benefits and also no annual fee would be charged for the first year. So i started using for first few weeks and when I received first statement, they had charged {$650.00} annual fees. I disputed the payment and called to verify that this XXXX be mistake but their staff from XXXX office also confirm that unless I use for full year, then only they charge and not ahead of time. 

I had called multiple times and have case investigated but they refused to remove those charges. I have been their customer for last XXXX years ( XXXX XXXX ) and not even once missed any payment and great XXXX XXXX. They reported to also credit card company to ruin my credit. Since they did not remove those charges, I request to close the account in first week of XXXX having used only for NO MORE THAN SIX WEEKS. ( statements are attached for both XXXX card and also for my XXXX XXXX account ). They closed my XXXX XXXX that I had few auto payments scheduled and refused to continue for my renewal of term life policy. I was using XXXX XXXX since 1991. They lost a great customer that I was paying insurance policy for last XXXX years. 

I need your help to resolve this issue not only for me but to protect others too. I truly believe that they must be doing these kinds of charges for their products to many customers without customers have used their product ahead of time. PLEASE REPORT THIS ISSUE to other agencies like FTC and XXXX to PROTECT MANY PEOPLE from these kinds of unfair charges/ procedures to audit other accounts where they may have charged millions of dollars from other customer too. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit report contains collection accounts that I believe may be inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, I have the right to a report that is accurate and verifiable. I am requesting a thorough investigation of these accounts, and if they can not be confirmed as accurate, they must be deleted from my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX ] Account Number : [ XXXX ] Creditor Name : [ XXXXXXXX XXXX XXXX Account Number : [ XXXX ] FCRA SECTION 602 RIGHT TO PRIVACY ( 15 U.S.C. 1681 ) Under the FCRA, I have a right to privacy in the handling and dissemination of my credit information. The credit bureau is not permitted to report data that is inaccurate, unverifiable, or misleading, especially when such reporting creates a false impression of delinquency. 
FCRA SECTION 604 ( a ) ( 2 ) NO WRITTEN AUTHORIZATION GIVEN ( 15 U.S.C. 1681b ) Pursuant to 15 U.S.C. 1681b ( a ) ( 2 ), consumer reporting agencies are prohibited from furnishing account information without the consumers written instructions. I have never given written authorization for the dissemination of false or misleading late payment information.

TILA SECTION 1666b IMPROPER LATE PAYMENT DESIGNATION ( 15 U.S.C. 1666b ) According to the Truth in Lending Act, a creditor may not treat a payment on an open-end credit account as late for any purpose if received by the due date or within the grace period.

Reporting a late payment that was not legally late is a blatant violation of this federal protection and exposes both the data furnisher and the credit reporting agency to liability under 15 U.S.C.

1681i.

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 2025-10-16 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:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-10-16 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: MI

Complaint narrative:
Equifax Continuing to Report Accounts Without Permissible Purpose or Proper Verification FCRA 604 ( a ) Violation This is a continued dispute against Equifax for reporting accounts without a permissible purpose under FCRA 604 ( a ). 

The XXXX XXXX XXXX XXXX XXXXXXXX XXXX accounts are being updated and reported even though they are closed, have no open credit relationship, and are not attached to any current permissible purpose or valid address on file. 

Equifax has removed remark codes but continues to publish and update these accounts which means they are still accessing and sharing my consumer file data without legal authorization or my consent. 

These accounts are not active, were included in prior disputes, and can not be verified through a current permissible creditor relationship. 

I am requesting full removal of these accounts and written certification of the permissible purpose Equifax relied upon to continue reporting.

If Equifax can not provide written proof of the data source or permissible purpose under 604 ( a ), this continued reporting constitutes willful noncompliance under 616 and 617 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I received notifications from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that over the last two days at least three hard inquiries appeared on my credit report. I contacted each of the companies tied to these inquiries and they confirmed that somebody had tried to open a credit card using my name and an old address. These companies each confirmed that the account would be rejected. However, not all of the companies would provide me with this confirmation in writing.

Next, I reached out to the three credit bureaus and informed them that these inquiries were made due to fraud. I believe this was also tagged as a dispute with each of the bureaus. TransUnion said I should also file a dispute with the FTC and/or CFPB. ( The FTC does not appear to be accepting disputes due to the current government shutdown. ) Finally, I put a freeze on my credit. I also purchased XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received notifications from XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX that over the last two days at least three hard inquiries appeared on my credit report. I contacted each of the companies tied to these inquiries and they confirmed that somebody had tried to open a credit card using my name and an old address. These companies each confirmed that the account would be rejected. However, not all of the companies would provide me with this confirmation in writing.

Next, I reached out to the three credit bureaus and informed them that these inquiries were made due to fraud. I believe this was also tagged as a dispute with each of the bureaus. TransUnion said I should also file a dispute with the FTC and/or CFPB. ( The FTC does not appear to be accepting disputes due to the current government shutdown. ) Finally, I put a freeze on my credit. I also purchased XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: GA

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove or block fraudulent accounts and inquiries from my credit reports, despite receiving full documentation establishing that I am a victim of both identity theft and XXXX  XXXX. 

I have submitted multiple formal disputes and FCRA Section 605B & 605C packages to all three credit reporting agencies. These submissions included : My FTC Identity Theft Report ( FTC Ref. No. XXXX ) A XXXX XXXX Victim Self-Attestation Form signed and verified by a recognized anti-trafficking organization under 12 CFR 1022.142 Copies of my government-issued ID, Social Security card, and proof of current address Certified identity theft affidavits and detailed dispute letters identifying the fraudulent accounts and inquiries on my credit file The accounts in question such as XXXX CARD # XXXX and XXXX XXXX XX/XX/2025 were fraudulently opened without my consent and stem directly from XXXX XXXX exploitation. They do not belong to me, nor did I receive any financial benefit from them. 

Despite providing every required form of verification, the credit bureaus have failed to block these accounts within four ( 4 ) business days, as mandated under FCRA 605B and 605C. This ongoing inaction is a clear violation of my rights and has continued to cause harm to my creditworthiness, financial stability, and emotional well-being.

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 2025-10-16 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: GA

Complaint narrative:
I am filing this complaint because Experian, Equifax, and TransUnion have failed to remove or block fraudulent accounts and inquiries from my credit reports, despite receiving full documentation establishing that I am a victim of both identity theft and XXXX  XXXX. 

I have submitted multiple formal disputes and FCRA Section 605B & 605C packages to all three credit reporting agencies. These submissions included : My FTC Identity Theft Report ( FTC Ref. No. XXXX ) A XXXX XXXX Victim Self-Attestation Form signed and verified by a recognized anti-trafficking organization under 12 CFR 1022.142 Copies of my government-issued ID, Social Security card, and proof of current address Certified identity theft affidavits and detailed dispute letters identifying the fraudulent accounts and inquiries on my credit file The accounts in question such as XXXX CARD # XXXX and XXXX XXXX XX/XX/2025 were fraudulently opened without my consent and stem directly from XXXX XXXX exploitation. They do not belong to me, nor did I receive any financial benefit from them. 

Despite providing every required form of verification, the credit bureaus have failed to block these accounts within four ( 4 ) business days, as mandated under FCRA 605B and 605C. This ongoing inaction is a clear violation of my rights and has continued to cause harm to my creditworthiness, financial stability, and emotional well-being.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES : 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 2025-10-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written 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 2025-10-16 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: Southwest Credit Systems, L.P.
State: NY

Complaint narrative:
I am submitting this complaint against XXXX  and Southwest Credit Systems LP for continuing to report and attempt to collect on a fraudulent account that I have already disputed and proven to be the result of identity theft. 
On or about XX/XX/year>, I submitted formal disputes to both XXXX  and Southwest Credit Systems LP. Along with my dispute, I provided a Federal Trade Commission ( FTC ) Identity Theft Report, government-issued identification, and a notarized statement verifying that I did not authorize, open, or benefit from the alleged account. 
Despite this, both entities have failed to remove the fraudulent account from my XXXX credit report. The continued reporting of this account violates my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c-2, which requires credit reporting agencies and furnishers to block and delete information resulting from identity theft within four business days of receiving proper proof. 
XXXX  failed to block and remove the identity theft account from my credit file after receiving valid proof, violating 15 U.S.C. 1681c-2 ( a ).

2. Southwest Credit Systems LP continued to furnish information they kne
w or should have known was fraudulent, violating 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) and 1681s-2 ( b ) by failing to reasonably investigate.

3. Both entities inaction has caused continued credit damage, emotional distress, and time wasted disputing information that has already been proven fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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.

Complaint narrative:
THESE ARE INACCURATE ITEMS. IT STILL SHOWS AS LATE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
Genesis Credit Management began collecting a disputed debt originally from XXXX / XXXX XXXX related to my former unit ( XXXX  XXXX ). The balance they reported is inaccurate and currently under formal dispute with the original creditor. 

Before Genesis reported the debt to credit bureaus, I emailed and provided full documentation ( including emails between myself and XXXX XXXX proving that : The move-out date was XX/XX/year>, not the date used in their billing ; The insufficient notice and paint damage charges were invalid ; and XXXX own maintenance caused some of the damages they billed me for. 

Despite receiving these documents, Genesis did not validate the debt as required under the Fair Debt Collection Practices Act ( FDCPA ). Instead, they mailed me the same incorrect billing statement from XXXX without addressing any of the disputed points. 

Additionally, Genesis reported the disputed account to XXXX, causing my credit score to drop by over XXXX points, even though the item is marked disputed by consumer. This constitutes furnishing inaccurate and unverified information to a credit bureau while a dispute is active.

Company response to consumer: Closed with explanation