vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-16 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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.
State: CA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: UT

Complaint narrative:
Equifax and Trans Union are repeatedly inaccurately reporting information on my accounts and refuse to correct them. I want this taken care of because it's incorrect immediately. XXXX  's info is correct theirs is not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
XXXX. On XX/XX/XXXX ( Monday ), I received an email from American Express to inform that my Golden Card was cancelled due to " indicia of misuse. '' I called American Express customer service several times to find why my XXXX XXXX was cancelled. They told me that my card was POTENTIALLY misused and refused to provide any details. They also told me that is the final decision, and they would not do anything to reactivate my card. I asked them if anything I could do to dispute ; they just simply asked me to read the agreement and refused to provide any further information. 

I was trying to call different departments from American Express to try to resolve the issue, my calls were transferred to the same department and the same people most of times. 

I have been using American Express credit card over 20 years. I have accumulated over XXXX reward points which I have not got a chance to use. American Express just took away without any sound reason. 

At that time, I had thought American Express only cancelled my XXXX XXXX. My cooperate card should be OK. 

XXXX. On XX/XX/XXXX ( Wednesday evening ), I was trying to use American Express cooperate card to pay for my meal in a restaurant ( I was in business travel from XX/XX/XXXX to XX/XX/XXXX ). It was the first time I used cooperate card since I started my business travel. The waitress told me that my cooperate credit card did not work. So I call American Express using the number on the back of the card immediately. The customer service told that my cooperate credit card was cancelled my XXXX and asked me to contact XXXX to resolve the issue. 

XXXX. On XX/XX/XXXX ( Thursday morning ), I was trying to contact my company XXXX XXXX XXXX XXXX many times and they eventually got me back ( XX/XX/XXXX ) to me by email saying that they contacted AMEX customer service and AMEX customer service required me to contact with they directly with XXXX and a case number. 

XXXX. On XX/XX/XXXX ( Friday morning ), I called AMEX customer service. A lady from AMEX customer service answered my phone. She looked into my account and told me that all my credit cards associated with my accounts were cancelled due to potential misuse. She could not provide any detailed reason either ( the same answers I got from my previous calls ). Related to my cooperate card, it was American Express, NOT my employer, cancelled my cooperate card. In the note about the reason that American Express cancelled my cooperate card, American Express just noted that I left the company which is not true. 

XXXX. After these, I contacted American Express customer service several times. The results are the same : they refuse to take refund the annually fee and return the rewards points, and refuse to provide any detailed reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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 have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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.
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. This is XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I PULLED A COPY MOST RECIENT CREDIT REPORTING AND NOTICIED, I HAVE A BEEN VICTIM OF IDENTTITY THEFT THERE ARE HARD INQUIRIES IN MY NAME THAT I DID NOT AUTHORIZE, I ASK THAT ITEMS BE REMOVED AND CORRECT FORM MY CREDIT REPORTING WHITN 4 DAYS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Synovus Bank
State: TX

Complaint narrative:
Synovus Bank ( marketed as XXXX XXXX ). XXXXSynovus Bank is inaccurately reporting a charged-off credit card account with an open balance of {$130.00} and conflicting payment statuses on XXXX XXXX XXXX XXXX  XXXX The reports show mixed statuses : XXXX says XXXX, XXXX says XXXX off as bad debt, and XXXX says XXXX balance reported as a loss by credit grantor. XXXX shows the account as closed but XXXX XXXX XXXX do not, which misrepresents the true account status. The payment history has unexplained gaps and inconsistent late payment reporting. On XX/XX/year>, I formally disputed this account by email and demanded proof of the actual charge-off event, including the original signed agreement, a complete itemized breakdown of charges and payments, and a clear explanation reconciling the conflicting charge-off status with the active balance. I gave XXXXSynovus XXXX XXXX deadline to provide this. They only sent an automatic reply and failed to investigate or validate within the legally required timeframe under FCRA 611 ( a ) ( 1 ) ( A ) and Texas Finance Code 392.202 ( a ). As of XX/XX/year>, the account remains on all three reports with inaccurate, conflicting, and unverifiable information, which damages my credit and violates federal and Texas consumer protection laws.Synovus Bank ( marketed as XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: VA

Complaint narrative:
I am filing a formal complaint against TransUnion for failure to comply with my dispute rights under the Fair Credit Reporting Act ( FCRA ). I submitted a dispute with TransUnion and specifically requested the * method of verification * used to confirm the accuracy of the accounts in question. Despite this lawful request, TransUnion merely marked the items as verified without providing any documentation, description, or details explaining how the investigation was conducted, or from whom the information was verified. 

According to * * F

CRA Section 611 ( 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ) ) * *, a credit reporting agency is * * required to provide a description of the procedure used to determine the accuracy and completeness of the information * *, including the business name and address of the furnisher contacted. TransUnion failed to provide this required information either via mail or through their online dispute portal. I never received any correspondence explaining the method of verification for the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Due to this failure to comply with FCRA requirements and refusal to provide the verification method in a timely manner, I am requesting that these accounts be * * immediately deleted * * from my credit report. This continued reporting without proper verification is a violation of my rights as a consumer and a failure to uphold your legal obligations. It has also passed the 15 day timeframe to provide the method of verification which I attached at the bottom on complaint I sent on XX/XX/2025 which they had until XX/XX/XXXX to provide and before that on XX/XX/2025. Nothing was provided and needs to be removed under fcra. 

Please take action to ensure these accounts are removed, and that TransUnion is held accountable for non-compliance with federal consumer protection laws.

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 2025-06-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
am writing to formally dispute the collection account listed on my credit report associated with L J ROSS & ASSOCIATES and account number ending in ( XXXX ). It has come to my attention that this collection has been reported without providing me with the required debt validation letter, as stipulated by the Fair Debt Collection Practices Act ( FDCPA ). 

Under the FDCPA, I have the right to request validation of the debt before any collection activity can occur. To date, I have not received any documentation confirming the validity of this debt. As a result, I request that you investigate this matter and remove the collection from my credit report. 

Please conduct an investigation and provide me with the results. I expect this issue to be resolved promptly and appreciate your attention to this matter. 

Thank you for your cooperation.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
On XX/XX/2025, I called XXXX to report the {$2000.00} ZELLE transfer out of my XXXX  account. I called as soon as I noticed the FRAUDE. Since then, I have been calling XXXX XXXX times per week and also visited XXXX different branches to follow up on this issue, and repeatedly told the XXXX  officers that this is XXXX, because I don't know the recipient ( XXXX XXXX ). I have never met him, or engaged in any kind of business transaction with him, nor had I authorized to transfer any money to him. 
Despite of all of my claims and my letter subitted on XX/XX/2025 to the branch manager at XXXX XXXX, New York, I have gotten absolutely no favorable response. 

It is common knowledge that this is not an isolated event, millions of dollars are substracted from people 's accounts. It is also well known that it is the older and minorities population who are becoming the main victims of this criminal predatory organizations. 

It is time for the authorities to intervene to protect the clients. 
It should be the predators who should be penalized, not the banks customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I opened a credit card with XXXX XXXX  years ago and always kept it in good standing. At some point, XXXX XXXX  began charging a monthly fee without properly notifying me. I did not receive any email, mail, or other communication informing me of this change. 

Because I was unaware of the fee, a balance was created on the account, which I did not catch in time. This resulted in a missed payment and a late mark reported to the credit bureaus, which caused a noticeable drop in my XXXX XXXX. 

I contacted XXXX XXXX  to ask why the fee was added without notification and requested that the fee be reversed and the negative reporting removed. I was not given a clear explanation, and the issue was not resolved. I have since closed the account due to this experience. 

I am requesting that the late payment be removed from my credit report, as the delinquency was caused by a fee that was unfairly and unclearly implemented, and not due to negligence or intent on my part.

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 2025-06-16 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:
I opened a credit card with XXXX XXXX  years ago and always kept it in good standing. At some point, XXXX XXXX  began charging a monthly fee without properly notifying me. I did not receive any email, mail, or other communication informing me of this change. 

Because I was unaware of the fee, a balance was created on the account, which I did not catch in time. This resulted in a missed payment and a late mark reported to the credit bureaus, which caused a noticeable drop in my credit score. 

I contacted XXXX XXXX  to ask why the fee was added without notification and requested that the fee be reversed and the negative reporting removed. I was not given a clear explanation, and the issue was not resolved. I have since closed the account due to this experience. 

I am requesting that the late payment be removed from my credit report, as the delinquency was caused by a fee that was unfairly and unclearly implemented, and not due to negligence or intent on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: TX

Complaint narrative:
I opened a credit card with XXXX XXXX  years ago and always kept it in good standing. At some point, XXXX XXXX  began charging a monthly fee without properly notifying me. I did not receive any email, mail, or other communication informing me of this change. 

Because I was unaware of the fee, a balance was created on the account, which I did not catch in time. This resulted in a missed payment and a late mark reported to the credit bureaus, which caused a noticeable drop in my credit score.

I contacted XXXX XXXX to ask why the fee was added without notification and requested that the fee be reversed and the negative reporting removed. I was not given a clear explanation, and the issue was not resolved. I have since closed the account due to this experience. 

I am requesting that the late payment be removed from my credit report, as the delinquency was caused by a fee that was unfairly and unclearly implemented, and not due to negligence or intent on my part.

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 2025-06-16 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 was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: CLGF Holdco 1, LLC
State: AL

Complaint narrative:
I am disputing the following accounts and/or inquiries reporting on my credit profile. These accounts are being reported inaccurately and without proper verification. Some of the accounts were opened without my authorization, and others contain false or unverifiable information. 

This is a violation of the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681 and 605 ( b ), which states that only accurate, complete, and verifiable information should be reported.

I have attached my FTC Identity Theft Report along with supporting documentation ( ID, SSN, utility bill ) as proof. I am requesting that these accounts and inquiries be investigated and removed immediately from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-16 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: IN

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX are continuing to report accounts on my credit report that are directly related to identity theft, despite multiple formal disputes and submission of supporting documentation, including a police report, FTC Identity Theft Report, proof of address, and a copy of my government-issued ID.

These accounts were not opened by me and were identified as fraudulent during my identity theft investigation in XXXX and XX/XX/year>. I have made several requests for the permanent removal of these accounts, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ).

Despite providing all required documentation, these companies have failed to block or delete the fraudulent information as required under : FCRA Section 605B ( 15 U.S.C. 1681c-2 ) Requires credit reporting agencies and furnishers to block identity theft-related information within 4 business days of receiving appropriate documentation.

FCRA Section 611 ( 15 U.S.C. 1681i ) Requires a reinvestigation and resolution within 30 calendar days of a formal dispute.

FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Prohibits furnishers from reporting inaccurate or fraudulent information once they are notified of a dispute and identity theft.

These violations have caused ongoing harm to my credit file and financial wellbeing. I am requesting that the CFPB enforce the immediate and permanent deletion of these fraudulent accounts from my credit report and take action against both companies for failing to comply with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS. 
XXXX XXXX XXXX. 
HAS VIOLATED MY RIGHTS. 
XXXX XXXX 
HAS VIOLATED MY RIGHTS. 
XXXXXXXX XXXX XXXX XXXX XXXX 
HAS VIOLATED MY RIGHTS. 



15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACITY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING ADENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INTRUCTIONS.

Company response to consumer: Closed with non-monetary relief