vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
To Whom It May Concern : Account # XXXX I am writing to dispute inaccurate information that is being reported on my credit file regarding an alleged vehicle repossession. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i, I am requesting a reinvestigation of this account and removal or correction of all information that can not be verified as accurate and complete.

The item in question is currently reporting the following inaccuracies This information is factually incorrect and does not meet the FCRA requirements for maximum possible accuracy. I am requesting that your agency : Conduct a full investigation with the furnisher of information.

Provide me with the results of your investigation.

Delete or correct the inaccurate repossession entry if it can not be fully verified. 

Please find enclosed copies of any documents supporting my position. 
( If you have no documents, remove this line. ) As required by law, this dispute must be resolved within 30 days. Please send me written confirmation of the investigation results and any changes made to my credit file. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-11-04 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: FL

Complaint narrative:
On XX/XX/2025, I made a purchase using my American Express credit card from the merchant pay.XXXX for a tea item. The purchase amount was {$26.00}. I promptly cancelled the order prior to the item being shipped and contacted the merchant repeatedly in writing. The merchant ignored my messages and shipped the item to me days after cancelling the order. I refused the item at the door and instructed the driver to return the item to the sender. 

I filed a dispute with American Express and they refuse to investigate the charge or file a dispute - asking for more information. American Express appeared to investigate the dispute and told me it was resolved with a credit saying I would only be charged again if they received additional information from the merchant which supported the merchant 's position. I was charged again for the item and American Express never showed me the information that the merchant provided to them which made them " overturn '' the credit American Express provided to me. I am attaching a screenshot of the message I received from American Express showing that the dispute was resolved in my favor with a credit. 

After I was recharged for the item, American Express refused to provide me with the information I requested and refuses to further investigate my dispute. I am attaching a screenshot showing the most recent communication I received from American Express which says " Your dispute requires additional assistance ''. There is nothing else needed beyond what I have already provided to American Express. They refuse to investigate this charge properly and this is why I am filing this dispute. I should not have to pay for an item which was cancelled and never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: PA

Complaint narrative:
I was going over my credit profile in XX/XX/year> and noticed some accounts and inquiries that I did not authorize nor did I give my consent. As a result, I called the police and made a police report and I also disputed fraudulent information and sent documents to the 3 major credit bureaus. The credit bureaus never investigated and did not fix the incorrect and fraudulent information on my credit profile.

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 2025-11-04 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission id-entity theft affidavit. Please find it in your best interest to delete the items. 


I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 


Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 


15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report. 


15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-11-04 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: GA

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


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 2025-11-04 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: MA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to conduct a proper reinvestigation and verify the accuracy and completeness of the information in my credit file, as required under the Fair Credit Reporting Act ( FCRA ) 609 and 611.

I submitted a written request for a full file reinvestigation, but the bureau did not provide the required verification, documentation, or proof that the information was confirmed by the original furnishers. Because of this, I am unable to determine whether the information being reported about me is accurate, which is a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: TX

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


UNAUTHORIZED INQUIRIES : Equifax XXXX XX/XX/year> XXXX XX/XX/year> Experian XXXX XXXX XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: AR

Complaint narrative:
I am WAS LOOKING AT MY CREDIT REPORT ON XX/XX/XXXX AND NOTICED ALL OF THE INACCURACIES OVER THE YEARS AND HOW MANY TIMES THIS HAS BEEN SOLD OVER AND OVER MAKING IT UPDATE ON MY CREDIT REPORT. IM disputing the reporting of this DEPTEDNELNET student loan because the information is inaccurate, misleading, and outdated. This loan originated in XXXX, yet the report shows it opened in XXXX. The loan has been resold multiple times to collection agencies without my consent, even while it was in deferment and under consideration for forgiveness. This repeated resale is unauthorized, inaccurate, and has harmed my credit report. 

Specific inaccuracies include : Incorrect loan origination date ( should be XXXX ). 

Payment history misreported ; many months are unknown or marked as No Info, conflicting with deferment records. 

Account status misreported : still marked as open and derogatory despite forgiveness filing and deferment. 

Duplicate dispute remarks with no corrective action. 

Balance reporting conflicts ( reported balance exceeds highest balance ). 

Unauthorized reselling and multiple collection listings. 

Supporting Evidence : Loan statements from DEPT NELNET Records of payments, deferment, and forgiveness filing Documentation of unauthorized collection transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: NV

Complaint narrative:
TransUnion suffered a major data breach in 2025 that compromised over XXXX XXXX consumers personal information, including mine. Despite legal obligations under the settlement to secure consumer data, ensure accuracy, and provide corrective measures, TransUnion continues to report inaccurate and unauthorized account information. 

Specifically, TransUnion is furnishing and publishing a tradeline from XXXX XXXX, an alleged creditor with whom I have no authorized account or relationship. This account remains on my report as closed but inaccurately and misleadingly affects my consumer file. 

TransUnions continued reporting and data handling constitute : Violation of 15 U.S.C. 1681b Furnishing/using a consumer report without permissible purpose ; Violation of 15 U.S.C. 1681e ( b ) Failure to assure maximum possible accuracy ; Violation of 15 U.S.C. 1681c ( a ) Inclusion of obsolete or inaccurate information ; Breach of the XXXX  XXXX Settlement Failure to maintain reasonable procedures and prevent unauthorized data use. 

As a result, my privacy, financial security, and credit reputation have been harmed.

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 2025-11-04 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: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXXXXXX -- -- Opened : XX/XX/XXXX XXXX # XXXX -- XXXX Opened : XX/XX/XXXX UNAUTHORIZED INQUIRIES : TransUnion XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-11-04 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: AZ

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I had XXXX late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on the following date : XX/XX/year>. 

Im now requesting you investigate this account and update these payments to paid on time immediately. 

Thank you for your understanding and prompt action.

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 2025-11-04 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My name is XXXX XXXX, and I am filing this complaint against TransUnion, Equifax, and Experian for repeatedly failing to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Despite multiple valid disputes and documentation provided, all three credit bureaus have failed to properly reinvestigate or correct inaccurate information appearing on my credit report. 

I initially submitted disputes over 35 days ago, along with prior requests before that, yet the credit bureaus continue to report inaccurate and unverifiable items. Their failure to correct or validate this information constitutes clear violations of federal law, specifically : 15 U.S.C. 1681i ( a ) : Failure to conduct a reasonable reinvestigation of disputed information.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a full and clear method of verification.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

The credit bureaus have not provided : The method and procedures used in verifying the disputed accounts.

Documentation or records relied upon for verification. 

The name, address, and contact information of the furnishers involved. 

By continuing to report inaccurate or unverifiable data, the credit bureaus are in willful noncompliance with the FCRA. I have already submitted formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General, detailing these ongoing violations.

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 2025-11-04 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: MA

Complaint narrative:
I am filing this complaint because my credit report is inaccurately reporting late payments on my federal student loans during the XXXX national emergency. Under the CARES Act and the HEROES XXXX of XXXX ( Public Law XXXX ), all federal student loan payments were suspended, interest was reduced to 0 %, and collections were halted from XX/XX/XXXX, through XX/XX/XXXX. During this period, borrowers were not required to make payments, and no negative or delinquent credit reporting was permitted. 

However, my credit report still shows XXXX or more late payments reported within the federally mandated suspension period. These derogatory entries are factually incorrect, violate federal law, and are negatively impacting my credit profile and financial opportunities.

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 2025-11-04 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: WI

Complaint narrative:
My identity was stolen and used and now the bureaus are reporting inaccurate information. I have been writing them to have these things removed and fix my identity in their system to no avail. Transunion, Experian and XXXX  all have violated my FCRA rights multiple times with this reporting of inaccurate information.

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