vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XXXX months ago, I legally changed my last name to XXXX following my marriage. I updated all legal documents, including my credit card accounts. While the name change process for my Amex XXXX card was smooth, the process for my XXXX XXXX card was delayed and mishandled. 

After multiple calls over several weeks, I was told by American Express that they could not reissue a card with my new name due to exhausted digits. I was informed that a new card number would be issued. I made it explicitly clear that I did not want a new account opened and asked multiple times whether this would affect my credit or Social Security number. I was told repeatedly that it would not that it was simply a new card number on the same account. 

However, Amex closed my original account and opened a new account without my authorization. This action triggered XXXX derogatory marks on my Equifax credit report ( a closed account and a new account ), and my XXXX XXXX dropped by XXXX points. Additionally, Amex issued a new card in my wifes name without our consent, and both of our cards were nonfunctional for nearly a month declining at stores, unable to be activated, and not usable via XXXX XXXX. 

Ive spoken to more than XXXX Amex agents over the past XXXX months, most of whom either repeated incorrect information or transferred me to others who were unable to help. Ive requested to speak with a supervisor multiple times and have asked for Amex to review the recorded calls where I was assured this would not impact my credit but no resolution has been provided. 

I am requesting : XXXX. A full review of the recorded phone calls to confirm I was misinformed. 
XXXX. XXXX correction of my Equifax report and removal of all derogatory marks from this incident. 
XXXX. A refund of the annual fee on my XXXX XXXX card due to the mishandling and lack of access. 
XXXX. Written confirmation that my credit will not be further impacted. 

This was not only an inconvenience but also a clear case of misrepresentation. I did not authorize a new credit account to be opened, and I was misled by American Express representatives regarding the credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: MO

Complaint narrative:
Ongoing Reporting of Invalid Debt by XXXX XXXX XXXX XXXX for XXXX XXXX and XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint regarding inaccurate and harmful information being reported on my TransUnion credit report by XXXX XXXX XXXX XXXX XXXX for an alleged debt of {$100.00}. 

This account stems from an original XXXX obligation that was paid in full and removed from my credit reports prior to XXXX 's acquisition. Nevertheless, XXXX XXXX XXXX has inaccurately reported it as a valid debt. I have disputed this account multiple times directly with both TransUnion and XXXX XXXX XXXX, yet it remains on my report without any validation or supporting documentation being provided. 

For reference : XXXX deleted this account upon my initial dispute, acknowledging it was invalid. 

TransUnion has failed to correct this entry despite multiple formal disputes. 

I have never received a debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ). 


This false entry has already caused me measurable financial harm, including : Lowered credit score, which has directly impacted my ability to secure fair terms for credit and housing. 

Emotional distress and time spent repeatedly disputing something that should never have been reported. 

Unjust damage to my financial reputation, caused by continued reporting of a debt that was already satisfied and removed by the original creditor. 


I am requesting : 1. Immediate removal of this invalid {$100.00} debt from my TransUnion credit file. 


XXXX. Written confirmation that this account has been removed. 


XXXX. Full validation documentation, should XXXX XXXX XXXX claim it has any right to report this debt. 


XXXX. Compensation for the damages already caused to my credit standing, including but not limited to the adverse impact on my score and the resulting denials and increased interest terms. 



Their failure to comply with the Fair Credit Reporting Act ( FCRA ) and FDCPA has resulted in undue harm, and I expect swift corrective action and appropriate reparations. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX SSN : 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 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: NJ

Complaint narrative:
I am filing a complaint regarding a collection account being reported by IQ Data International on my credit report related to a prior apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have received a formal letter from XXXX XXXX XXXX XXXX ( XXXX ), who was the authorized collection agency, stating that the account has been cancelled in their office and that they have requested deletion of this item from the credit bureaus. 

IQ Data International is not authorized to collect or report this debt, yet continues to report it to one or more consumer reporting agencies. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), including 607, 611, and 623. 

Addl Reference : Collection account from IQ DATA INT with account # XXXX and a balance of {$8700.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
Multiple entities have accessed and used my personal identifying information ( PII ) including my name, Social Security number, and credit filewithout a lawful permissible purpose as defined under FCRA 604 ( a ). In many cases, the original creditors or data furnishers may have had limited, one-time access based on prior relationships, but no ongoing consent was granted to furnish, transfer, sell, or re-report this data to credit bureaus, data brokers, third-party collectors, or affiliated downstream parties.

Additionally, several hard inquiries have appeared on my credit report from companies with whom I never applied, never initiated a transaction, and have no direct relationship. These inquiries were conducted without my authorization and violate the permissible purpose standard under federal law.

Under FCRA 604, no entity may access or use a consumer 's credit file without a legitimate and provable permissible purpose. Continued reporting after the revocation of consent constitutes a privacy violation and unauthorized use of personal information. 
Under FCRA 605B, any consumer may request the blocking of information resulting from identity misuse, fraud, or unauthorized use of their informationeven outside of traditional identity theft definitionsso long as they submit a dispute, police documentation, and a list of the disputed items. Attached to this notice are the following : 1. A formal police report documenting the unauthorized and non-consensual use of my identity A written statement revoking prior consent and disputing the reporting of specific accounts and inquiries 2. A list of accounts, collections, and inquiries that were reported or accessed without lawful authorization 3. 
4. A copy of my government-issued ID and proof of address for verification purposes I hereby issue an irrevocable revocation of any prior consentwhether explicit, implied, or inferredthat may have permitted : 1. Furnishing or reporting of my personal identifying information to credit bureaus 2. Use of my Social Security number or credit profile for account verification or inquiry purposes 3. Access to my credit file by any entity without my active authorization Any further sharing, reporting, or inquiry activity by any party without my express permission will be considered a knowing violation of federal law and an unauthorized use of my identity under FCRA and GLBA.

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 2025-07-21 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:
Multiple entities have accessed and used my personal identifying information ( PII ) including my name, Social Security number, and credit filewithout a lawful permissible purpose as defined under FCRA 604 ( a ). In many cases, the original creditors or data furnishers may have had limited, one-time access based on prior relationships, but no ongoing consent was granted to furnish, transfer, sell, or re-report this data to credit bureaus, data brokers, third-party collectors, or affiliated downstream parties.

Additionally, several hard inquiries have appeared on my credit report from companies with whom I never applied, never initiated a transaction, and have no direct relationship. These inquiries were conducted without my authorization and violate the permissible purpose standard under federal law.

Under FCRA 604, no entity may access or use a consumer 's credit file without a legitimate and provable permissible purpose. Continued reporting after the revocation of consent constitutes a privacy violation and unauthorized use of personal information. 
Under FCRA 605B, any consumer may request the blocking of information resulting from identity misuse, fraud, or unauthorized use of their informationeven outside of traditional identity theft definitionsso long as they submit a dispute, police documentation, and a list of the disputed items. Attached to this notice are the following : 1. A formal police report documenting the unauthorized and non-consensual use of my identity A written statement revoking prior consent and disputing the reporting of specific accounts and inquiries 2. A list of accounts, collections, and inquiries that were reported or accessed without lawful authorization 3. 
4. A copy of my government-issued ID and proof of address for verification purposes I hereby issue an irrevocable revocation of any prior consentwhether explicit, implied, or inferredthat may have permitted : 1. Furnishing or reporting of my personal identifying information to credit bureaus 2. Use of my Social Security number or credit profile for account verification or inquiry purposes 3. Access to my credit file by any entity without my active authorization Any further sharing, reporting, or inquiry activity by any party without my express permission will be considered a knowing violation of federal law and an unauthorized use of my identity under FCRA and GLBA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I filed a 1099 form with Truist bank XXXX XXXX XXXX XXXX, NC XXXX and they still calling and reporting to credit bureau dont no why!! I contacted them they say they see no record of the form!!!

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XXXX XXXX I submitted a letter to all three credit reporting agencies stating that there were fraudulent accounts reporting on my report. I quoted the law 15 U.S.C. 1681c2 ( FCRA Section 605B ) and requested the accounts be removed in 4 business days. It has been more than 4 business days and they have not removed it so this is a follow up demanding they be removed before I take things further.

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 2025-07-21 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: CL Holdings LLC
State: AR

Complaint narrative:
I am filing this complaint regarding a debt that has been inaccurately reported and unlawfully collected by a third-party debt collector and/or credit reporting agency. 

The alleged account is marked as unpaid and delinquent, which is not true this account was paid in full. Additionally, the reporting includes a false late payment entry that I dispute entirely. 

Furthermore, the company has failed to provide : Proof of legal assignment or ownership of the debt A signed agreement obligating me to the debt Permissible purpose to access and report my credit under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b This company continues to report inaccurate information and communicate with credit bureaus without verifying the debt, in direct violation of : The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g CARES Act and CFPB COVID-19 guidance on leniency during declared national emergencies Additionally, I believe that the credit bureaus and/or collector are selling, sharing, and trading my personal data without informed consent, which I consider to be identity theft under federal definitions.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: WI

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: SC

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
b'Today, I was called by Marcus at Goldman Sachs, subsequent to an initial complaint about them not approving my application for a savings account and failing to provide a reason.  When I returned the call, they encouraged me to try today to apply for a second time to open an account.  I did it with them directly on the phone, and it was denied a second time due to "unable to verify" the person. They also said it was denied manually.  \n\n I was transferred to the Marcus security department and was advised by the representative that the reason was actually that I "was only XXXX", and she said, "I was very young"!  I pointed out that they advertise you must be 18 and I am.  \n\nThis is false advertising and age discrimination ( and potentially more racial bias, as I am XXXX) by Goldman Sachs.  \n\nThey still refused to approve it.\n\nThe calls were at XXXX XXXX and the number was XXXX XXXX XXXX and was XXXX  minutes in duration and was recorded.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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 2025-07-21 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: BARCLAYS BANK DELAWARE
State: ME

Complaint narrative:
Received Credit card in the mail that I never applied for. I called the Company it made me give all my information including SS # and DOB. I was very reluctant to do so because I knew this was fraud. Told them I never applied for the credit card. There were charges on it. Told them to close account immediately and wanted confirmation number for call. They stated there was no Confirmation number but they would send something in the mail and close account immediately.

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 2025-07-21 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:
These inquiries are unfamiliar to me and may indicate fraudulent activity. I urge you to address this matter promptly and review the enclosed documentation for details.

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