vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-24 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 data presented provides an inaccurate depiction of my financial history. Please conduct an examination and update the record accordingly.

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 2025-11-24 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: IL

Complaint narrative:
There has been inaccurate reporting on my consumer report regard late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: IL

Complaint narrative:
There has been inaccurate reporting on my consumer report regard late payments

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 2025-11-24 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: IL

Complaint narrative:
I was under the impression that I had closed my XXXX XXXX card ending in XXXX prior to the annual fee being charged. I do not have the card in my possession and was not receiving paper statements for months due to relocating in XX/XX/year>. 

I had ceased using the card during this time except for a few charges that went through due to automatic payments or linked payment processors such as XXXX. 

I became aware on XX/XX/year> that I was charged an annual fee of {$690.00}. I became aware of this due to the amount trying to withdraw from an account with insufficient funds, and bouncing as a result. I informed American Express that I thought the account was already closed, and would like to either close it for a refund, or product change to a card with a lower annual fee. 

American Express instead closed my account, provided no refund, and would not allow me to reopen the card, instead demanding that I pay a {$690.00} annual fee for a card that I am no longer allowed to use, citing the the fact that I was a few days past the 30 day window to close the account for even a partial refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute several inaccurate entries on my Experian credit report, which I believe do not reflect the correct status of my accounts. The details of the disputed accounts are as follows : Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} Late Payment : XXXX XXXXXXXX Account Number : 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 2025-11-24 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: LA

Complaint narrative:
I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), particularly Section 605B [ 15 U.S.

Code 1681c2 ], which mandates that consumer reporting agencies must block and remove all information resulting from identity theft within 4 business days of receiving appropriate proof. 
I am a victim of identity theft, and fraudulent activity has been reported on my credit file as a result of a data breach. I did not authorize, open, or benefit from the following accounts or credit inquiries, which were made without my knowledge or consent. I am attaching a copy of my FTC Identity Theft Report, valid ID, and proof of address as supporting documentation for this dispute. 
I am requesting an immediate investigation and permanent deletion of the following fraudulent accounts, as they are causing unjust harm to my credit profile. 
Disputed Closed or Charged-Off Accounts : Accounts : Account Name : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$6700.00} Unauthorized Inquiries to Be Deleted : Inquiries : Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX Date of inquiry : XX/XX/XXXX Account Name : XXXX XXXX XXXX Date of inquiry : XX/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 explanation
Consumer complaint received 2025-11-24 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: GA

Complaint narrative:
I am disputing the following items due to discrepancies across the credit bureaus and possible unverifiable information. 

CHARGED-OFF ACCOUNTS XXXX XXXX XXXX XX/XX/XXXX {$53000.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} INQUIRIES XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX LATE PAYMENTS 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 2025-11-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In XX/XX/year>, Southwest Credit Systems reported a debt for a XXXX account with an outstanding balance of {$68.00}. I dispute this debt in its entirety and sent a formal debt validation request under 15 U.S.C. 1692g ( b ) of the FDCPA. I requested : Original signed contract Complete chain of title Proof of Holder in Due Course Pooling & Servicing Agreement if securitized Full debt itemization including principal, interest, fees, and payments Proof of legal right to collect Copies of all prior communications I also clarified that a bank statement or internal screenshot is not valid validation. I instructed them to cease all collection activity until proper validation is provided. To date, I have not received verifiable documentation proving this debt is valid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Early XXXX I received a XXXX XXXX renewal in the mail with my name along with a unknown female named XXXX. 
XXXX is unknown and not my wife. I discarded the mail and several months later received another renewal for around {$250.00} approximate XXXX dollar. I called XXXX representative and explained that this was possible identity theft and to have them take them off of their their listing as I did not request a quote or any info through XXXX. They had my full name listed under policy number of and were going to verify the information but would not go any further or refer me to XXXX XXXX XXXX which was odd. 
I have been with XXXX XXXX since XX/XX/XXXX. 
The weekend of XX/XX/XXXX, I then received a collections notice from CCS Credit Collections located in XXXX at XXXX XXXX, that when I called to inquire what was going on, I was cut several times from the agent and sounded like a telemarketing business so I did not call back. 
On XX/XX/XXXX I called XXXX again as I received XXXX notifications on my credit score that there was a collection agency attached to my credit and now its affected my rating. They advised to file a police report and then send it their id theft unit at XXXX with a telephone number of XXXX On XX/XX/XXXX I called XXXX XXXX and explained the identity theft XXXX renewal notice and they sent me the current attached current declaration page showing my longevity with them from XXXX. 

I have received XXXX more calls from CCS and are really rude on the phone and said that they will continue until its resolved via XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 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:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it 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 2025-11-24 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:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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:
When I reviewed my credit report there are certain accounts that I do not know. I requested validation of these accounts through the original contracts, since I have been a victim of identity theft, and haven't consented to these transactions. I want these information removed in my reports. I sent in a letter and sworn declaration of fraud to the credit bureau and I still haven't heard anything from them, who they talked to in these companies in my reports, and these fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This is my response to the information submitted by XXXX XXXX. That information was very helpful for me to understand more of what the problem is. XXXX XXXX identifies that it forced placed insurance on my property and then charged me for it. It should not have done this. I always had insurance. I confirmed this in writing to XXXX XXXX in a letter I sent on XX/XX/year>. I sent this letter to XXXX XXXX XXXX : Account Services, XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. There was no reason for them to force place insurance. It was those charges that have resulted in negative information on my credit. I still want them to remove that negative information. It was their own mistake to force place the insurance when I already had insurance. 

Additionally, my account was never frozen. The issue was that they were asking for too much money and I had insured that I had just enough money in the account to cover what I actually owed. As clear from XXXX XXXX XXXX, they received the proof that I had insurance from the time they requested proof, forward. Somehow, they claim that in XXXX of 2025 they purchased insurance retroactively for XX/XX/XXXX, XXXX XX/XX/year>. I dont believe that they can charge me for the purported purchase of retroactive insurance. 

My prior insurance was with XXXX. Attached is the proof that I paid for that insurance during the time that XXXX XXXX says that I did not have insurance. XXXX XXXX has never identified why it thinks I did not have insurance for XXXX week in XXXX of this year.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is my response to the information submitted by XXXX XXXX. That information was very helpful for me to understand more of what the problem is. XXXX XXXX identifies that it forced placed insurance on my property and then charged me for it. It should not have done this. I always had insurance. I confirmed this in writing to XXXX XXXX in a letter I sent on XX/XX/2025. I sent this letter to XXXX XXXX XXXX : Account Services, XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. There was no reason for them to force place insurance. It was those charges that have resulted in negative information on my credit. I still want them to remove that negative information. It was their own mistake to force place the insurance when I already had insurance. 

Additionally, my account was never frozen. The issue was that they were asking for too much money and I had insured that I had just enough money in the account to cover what I actually owed. As clear from XXXX XXXX XXXX, they received the proof that I had insurance from the time they requested proof, forward. Somehow, they claim that in XXXX of 2025 they purchased insurance retroactively for XX/XX/XXXX, XXXX XX/XX/2025. I dont believe that they can charge me for the purported purchase of retroactive insurance. 

My prior insurance was with XXXX. Attached is the proof that I paid for that insurance during the time that XXXX XXXX says that I did not have insurance. XXXX XXXX has never identified why it thinks I did not have insurance for XXXX week in XXXX of this year.

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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This is my response to the information submitted by XXXX XXXX. That information was very helpful for me to understand more of what the problem is. XXXX XXXX identifies that it forced placed insurance on my property and then charged me for it. It should not have done this. I always had insurance. I confirmed this in writing to XXXX XXXX in a letter I sent on XX/XX/year>. I sent this letter to XXXX XXXX XXXX : Account Services, XXXX XXXX XXXX XXXX. XXXX, Texas XXXX. There was no reason for them to force place insurance. It was those charges that have resulted in negative information on my credit. I still want them to remove that negative information. It was their own mistake to force place the insurance when I already had insurance. 

Additionally, my account was never frozen. The issue was that they were asking for too much money and I had insured that I had just enough money in the account to cover what I actually owed. As clear from XXXX XXXX XXXX, they received the proof that I had insurance from the time they requested proof, forward. Somehow, they claim that in XXXX of 2025 they purchased insurance retroactively for XX/XX/XXXX, XXXX XX/XX/year>. I dont believe that they can charge me for the purported purchase of retroactive insurance. 

My prior insurance was with XXXX. Attached is the proof that I paid for that insurance during the time that XXXX XXXX says that I did not have insurance. XXXX XXXX has never identified why it thinks I did not have insurance for XXXX week in XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: MI

Complaint narrative:
I have reached out to the creditor on multiple attempts to remove inaccurate late payments resulting in closing account, with no response from creditors. Inaccurate reporting for XX/XX/year> stating that the payment was 30 days past due and XX/XX/year> stating that the payment was 90 days past due which is impossible and inaccurate. Due to the incorrect reporting it violates my rights granted by the Fair Credit Reporting Act ( FCRA 602, 607, 609, and 611.

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 2025-11-24 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: MI

Complaint narrative:
I have reached out to the creditor on multiple attempts to remove inaccurate late payments resulting in closing account, with no response from creditors. Inaccurate reporting for XX/XX/year> stating that the payment was 30 days past due and XX/XX/year> stating that the payment was 90 days past due which is impossible and inaccurate. Due to the incorrect reporting it violates my rights granted by the Fair Credit Reporting Act ( FCRA 602, 607, 609, and 611.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: WI

Complaint narrative:
As a final step in this dispute process, I am issuing this letter to demand immediate resolution of my credit report issues. Your continued failure to address my disputes is in direct violation of federal law. 

For this Items Below Please do as what instruction in compliance of the 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 2025-11-24 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: LA

Complaint narrative:
Dear Sir/Madam, I am writing to dispute the following accounts listed on my Equifax credit report. These items appear to be inaccurate and incomplete, and I request that they be investigated, corrected, and updated to comply with the Fair Credit Reporting Act ( FCRA ). 

Disputed Accounts : Charged Off : XXXX, XXXX, XX/XX/XXXX, {$0.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$2600.00} XXXX, XXXX, XX/XX/XXXX, {$2000.00} XXXX XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, {$1100.00} XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$740.00} XXXX, XXXX, XX/XX/XXXX, {$600.00} XXXX, XXXX, XX/XX/XXXX, {$270.00} XXXX, XXXX, XX/XX/XXXX, {$12000.00} Inquiries : XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX Late Payment : 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 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am disputing the following accounts on my Equifax file : XXXX Charge Off # XXXX balance {$1800.00} XXXX XXXX # XXXX balance {$15000.00} These accounts do not belong to me. XXXX shows conflicting balances across bureaus ( XXXX  {$550.00}, XXXX  {$490.00} ), and XXXX XXXX is reported inconsistently on XXXX. I have never authorized or signed for these accounts, making this a clear case of Mixed File / Wrong Person and potential impermissible reporting under FCRA 1681b.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-24 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: KY

Complaint narrative:
I, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
There has been fraudulent accounts made to my consumer report, there is unauthorized charges made to my account please remove Per 15 USC 1666 A, B

Company response to consumer: Closed with explanation