vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 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:
The same account is being reported inconsistently across the 3 major credit bureaus. Data such as open dates, payment history, balances, activity dates, or remarks do not match between TransUnion, Equifax, and Experian.

This violates the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), which requires information to be complete and accurate, and 1681i, which requires reinvestigation when inaccuracies are disputed. I requested proof that these accounts are being reported in full compliance with Metro 2 guidelines, which standardize how data must be furnished.

To date, no supporting documentation or proof of accuracy has been provided. Therefore, I am requesting deletion or correction of these accounts and updated reports showing the results of a proper reinvestigation.

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 2025-06-26 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: FL

Complaint narrative:
This company ' inability to correct the inaccurate information on my credit report is hurting my ability to obtain credit. Ive asked them to investigate this account ( complaint # XXXX ) and nothing has been corrected.

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 2025-06-26 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: NY

Complaint narrative:
I am not affiliated with these creditors and did not authorize this inquiry. I request its prompt removal from 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 2025-06-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OR

Complaint narrative:
I was scammed on XX/XX/year> via online transaction. I immediately contacted cashapp to cancel the transaction, and informed them of the scam. They told me they could not cancel a payment that was pending- and I would need to wait for the purchase to be completed, and then dispute the charge. I was assured I would get my money back. After the charge was completed, I filed a dispute and provided evidence of the website being a scam. Cashapp denied my claims three times, despite having evidence of it being a scam. The scammers were pretending to be the well-known business XXXX XXXX, but did not have a XXXX XXXX URL. The scammers charged the wrong amount to my card, and sent me a faulty tracking number. After complaining, they directed me to the website XXXX XXXX XXXXXXXX which is a known website used by scammers. I attempted to cancel the order and receive a full refund through the scammers, but they did not respond to my requests. Cashapp has completely ignored the evidence of this transaction being a scam, and refused to help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2025-06-26 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 disputing the accuracy of the payment history and current status of my account with XXXX. The account was opened in XX/XX/XXXX as an unsecured installment loan with a total credit of {$4500.00} and was paid off in full as of XX/XX/XXXX. 

Despite this, my credit report inaccurately shows a XXXX late payment in XX/XX/XXXX and a remaining balance of {$970.00} with a past due amount of {$560.00}. I have never missed a payment on this account, and all payments were made on time according to my records. The account should reflect a {$0.00} balance and a status of Paid or Closed.

I request that this inaccurate information be corrected across all credit reporting agencies. This reporting error is negatively impacting my credit profile and does not reflect my actual payment history. 

Thank you for your attention to 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 non-monetary relief
Consumer complaint received 2025-06-26 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: SC

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), I am submitting this document along with my Identity Theft Report to formally request the blocking and removal of fraudulent information from my credit report in accordance with Section 605B of the Fair Credit Reporting Act.

I am a victim of identity theft and did not open or authorize the following accounts. I respectfully request that this information be blocked and permanently deleted from my Experian credit file within four ( 4 ) business days of receiving this request. 

Please remove the following 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 Thank you for your immediate attention to this matter. I look forward to your confirmation that these accounts have been blocked and removed in compliance with 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 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am writing to file a complaint regarding the unexpected closure of my credit card account, which has negatively impacted my credit history.

I was never given a warning or clear explanation before the account was closed. Throughout the time I held the card, I consistently made paymentsif not more, at least the minimum amount due each month. The reason provided for the closure was vague and speculative, mentioning factors like " possibly high utilization '' or " possibly reaching the credit limit '' without any certainty or documented details.

This action has already affected my credit history and will likely continue to do so. I believe I was managing the account responsibly and should have at least been notified or given an opportunity to address any concerns before such a drastic decision was made.

I respectfully request your assistance in investigating this matter and helping me seek a resolution.

Sincerely

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 2025-06-26 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:
My XXXX XXXX XXXX XXXX account, opened in XX/XX/year>, is being reported to all three credit bureaus. 
TransUnion and Experian show the account as open, with a {$300.00} credit limit, {$0.00} balance, and current status. 
Equifax also shows the account as open and current, but does not display any payment history in the XXXX  record section, unlike TransUnion and Experian. 
This inconsistency could cause an incomplete or inaccurate representation of my credit behavior with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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:
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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: 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 non-monetary relief
Consumer complaint received 2025-06-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: ID

Complaint narrative:
Last year XXXX I sent to the reservation team for the booking request, and I did pay for a room by using XXXX XXXX  business credit card ending XXXX on XX/XX/XXXX. 
For this credit card statement pleasecheck the attached. 
However this hotel not sure how they do it, I can never find the email conversation between me and them when this year XXXX I trying to confirm that, so I send the couple email to that reservation email to check and no one response, So I ask their XXXX to check, they also respond me to send to the reservation email to check, and still nothing respond. 
I afraid that I will not have room to stay when I was there. So I book again which is using my Amex card on XX/XX/year> for {$800.00}. And even after booking again I send the email still no one responded until I was there. And the XXXX find out oh your email is in our spam file. How ridiculous for this? If my email is in spam how do they help me to book the first room? All the conversations are all using this channel, how does last year can work and this year cant? They did make the mistake and dont want to refund for that. 
I check with them and try to resolve this, but they just suing policy to reject and only said I can keep the money for next time. But I dont even know I will be there again? Since this is too ridiculous. 


First email I send last year to check can I book a room, and you can see the email is reservations, XXXX This is the whole conversation that I cant find in my email, I never delete the email related to my travel, especially I will category them, but they did something to let me cant find it. 

So after I asking many emails even XXXX still no response. 
I book again and even booking finish they still no response. 

So overall, their system has problems, but they dont take responsibility to refund. Why I need to pay for their mistake? Even Im not using two rooms when I was there. 
Theres no way last year there email can work and this year wont. 

I dispute to AMEX for 6 times after I'm back all got reject by them, saying that the policy need to file 60 days, after that they can't do anything. 

But XXXX XXXX is not my fault, it's the merchant made this fault and mistake why I need to pay for it? especially I didn't use that service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: NC

Complaint narrative:
I am writing to follow up on a previous dispute regarding the inaccurate and inconsistent reporting of multiple negative items on my credit report across the 3 bureaus. As of the most recent update, Equifax is reporting only one negative item, while the other 2 bureaus continue to report 7 negative items.

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 2025-06-26 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:
This complaint is being submitted to request that Equifax block and remove fraudulent information from my consumer credit report in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). Under this provision, Equifax is required to block such information within XXXX ( XXXX ) business days of receiving this notice. 

The disputed information includes multiple unauthorized accounts and hard inquiries that were opened or made without my knowledge or consent. These items are the result of identity theft and fraud. The following accounts are fraudulent and must be permanently removed from my credit file : XXXX XXXX XXXX  XXXX - Opened XX/XX/XXXX - With the balance of {$300.00} XXXX XXXX XXXX  - Opened XX/XX/XXXX - With the balance of {$0.00} XXXX XXXX XXXX - Opened- With the balance of {$150.00} There are also fraudulent inquiries with : XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquired XX/XX/XXXX XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX XXXX XXXX - Inquired XX/XX/XXXX XXXX OF XXXX XXXX- Inquired XXXX XXXX, XXXX Fraudulent Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX All of the listed accounts and inquiries are not mine. I have attached a copy of my FTC Identity Theft Report ( Criminal Complaint # XXXX ), filed with the XXXX Federal Trade Commission, to verify that these items are fraudulent and associated with identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XXXX XXXX XXXX XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-06-26 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : XXXX. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
XXXX. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ). 
XXXX. A full file disclosure. 
XXXX. An itemized statement breaking down the balance you claim I owe. 
XXXX. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation