vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 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:
I am submitting this complaint to demand the immediate removal of XXXX XXXX XXXX account # XXXX XXXX XXXX  from my credit reports * *. The account is being reported inaccurately, inconsistently, and can not be verified. I have previously requested both Experian and Equifax to confirm the accuracy of this account and provide documentation of verification, yet I have received no proof or documentation showing that the information was verified with XXXX XXXX XXXX. 

Because the credit reporting agencies can not provide evidence that this account is accurate, I demand that it be removed immediately. If this account is not removed, I will take legal action to enforce my rights under the Fair Credit Reporting Act ( FCRA ). 

Account Information : Creditor : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Opened : XX/XX/XXXX High Balance : {$54000.00} Balance : {$0.00} ( loan fully paid ) Reported Closed Dates : XX/XX/XXXX ( Experian ), XX/XX/XXXX ( Equifax ) XXXX  : Removed account could not be verified Reasons for Removal Conflicting Closure Dates Experian reports the account closed on XX/XX/XXXX, while Equifax reports XX/XX/XXXX. Both can not be accurate, violating FCRA 607 ( b ) and 609 ( a ).

Contradictory Account Statuses Experian reports Paid, was past due 90 days, while Equifax reports Pays account as agreed, violating FCRA 623 ( a ) ( 1 ) ( A ).

Improper Payment History Reporting Despite being closed and paid in full, Experian continues to report multiple late payments after closure. Metro 2 guidelines prohibit continued reporting of late payments on closed accounts.

Unverifiable Reporting XXXX has already removed this account because it could not be verified. This confirms that the account can not be reliably reported. 
Experian and Equifax have failed to provide any documentation of verification despite multiple requests. 
Demand Because this account is inaccurate, unverifiable, and conflicting, I demand its immediate removal from Experian and Equifax credit reports. If removal is not completed promptly, I will take legal action to enforce my rights under the FCRA. 

Sincerely, 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 2025-09-12 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: SC

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
The GM Financial is reporting an incorrect closed date ( XX/XX/XXXX ) and charge off/ settled status The account was paid off through XXXX XXXX XX/XX/XXXX. I already disputed with GM financial and the credit bureau. I'm providing the payoff letter and a dispute letter that states all I want corrected that is reporting inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
My husband XXXX received an email from AmEx offering him XXXX points for referring me and that the person her was referring would receive XXXX points if approved and spend {$4000.00} and pay off that {$4000.00}. I applied with the link he sent and was approved on XX/XX/XXXX for the XXXX Amx platinum and XXXX XXXX skymiles after I spend and paid off {$4000.00}. I received an email on XX/XX/XXXX that my card was on its way. I proceeded to spend {$4000.00}. I paid off the {$4000.00} in the middle of XX/XX/XXXX. I called Amex to see when I would see the XXXX points on my XXXX app. Amex said I wasnt eligible for XXXX miles and said I should have received something on my app. I never received any messages about this on the XXXX or Amx apps. Only messages was that I was approved. I called am x on XX/XX/XXXX to tell them I wanted to cancel my card so I didnt have to pay the {$350.00} annual fee and they said to wait a week so they could check on this. I called back a week later ( XX/XX/XXXX ) and they saidthere still was no answer on this matter and to call back a week later. I told them again I wanted to cancel and not pay the {$350.00} and they said to give it another week. I called XX/XX/XXXX and called the card. Now they are saying I have to pay the {$350.00}. This feels like bait and switch. 
Today XX/XX/XXXX I spoke with a supervisor and she said she will escalate it ( again ). 
Today I received an offer from XXXX to receive XXXX if I apply for an Amx and that if I dont qualify for the welcome offer I can decline the application. That seems normal but that is not what I received originally. It made it appear that I was approved for the card and the XXXX ( and supplied details for the {$4000.00} I needed to spend and payoff ). It was very clear each time but Amx is not making it seem as though I did not see something and should pay the {$350.00} annual fee. All I want is that fee back and I will move on to another credit card that isnt this shady.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
I previously submitted disputes to Equifax regarding inaccurate and unauthorized accounts appearing on my credit report. I also filed a CFPB complaint last month regarding these same issues. Despite providing supporting documentation, including [ identity theft report, dispute letters, creditor correspondence ], Equifax has failed to correct or delete the inaccurate information. These accounts and/or inquiries remain on my report, which is continuing to harm my credit profile. This demonstrates that Equifax has not conducted a proper or reasonable reinvestigation as required under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am filing this complaint as a follow-up to my previous dispute ( CFPB Complaint ID : XXXX ) regarding fraudulent information on my Experian credit report, which remains unresolved. I am a victim of identity theft, a crime I discovered in XX/XX/XXXX. I have an official Identity Theft Report filed with the Federal Trade Commission ( FTC ), Report Number XXXX. 

Despite previously submitting my FTC report, an affidavit, and proof of identity, Experian has failed to remove all fraudulent items from my credit file. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and Florida Statute XXXX concerning the criminal use of personal identification information. The continued reporting of this false information is causing significant harm to my financial standing and reputation. 

The following fraudulent accounts, which were opened without my knowledge, permission, or benefit, are still present on my Experian report : XXXX XXXX XXXX : Account Number ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off. 
XXXX XXXX : Account Number ending in XXXX, opened on XX/XX/XXXX, and reported as a collection account. 
XXXX XXXX XXXX : Account Number ending in XXXX, opened on XX/XX/XXXX, and reported as a charge-off. 
XXXX XXXX XXXX : Account Number ending in XXXX, opened on XX/XX/XXXX, and reported as a collection account. 

Furthermore, the following unauthorized hard inquiries, which I did not consent to, are still listed : XXXX  XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-09-12 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: CA

Complaint narrative:
In XX/XX/year>, I received a data breach notice from TransUnion stating that my Social Security Number and Date of Birth were compromised due to a breach in a third-party system used by their U.S. operations . Following this breach, multiple unauthorized accounts appeared on my TransUnion credit report, along with a public bankruptcy record that was previously removed by XXXX  and marked unverifiable by XXXX. 

I disputed the accounts, but TransUnion continues to report them without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ) including 1681c-2 ( a ), 1681e ( b ), and 1681i ( a ) ( 5 ) ( B ). Ive requested permanent deletion of all fraudulent items tied to the breach and identity theft, but no corrective action has been taken.

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 2025-09-12 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: CO

Complaint narrative:
on XX/XX/XXXX I started service back up with XXXX for my service to be disconnected by XX/XX/XXXX due to an account. I managed having a past due balance. I got into contact with the debt collector whom XXXX sold my debt to made the payment in full to clear the debt Got acknowledged by the debt collector stating that the account has been paid in full. XXXX still refuses to release my collection hold on the account so that I can resume services stating that they need to receive payment before being able to unlock my account due to the collection holder whatever Even though who they sold my debt to in an email acknowledged that the case has been resolved and paid in full. I have spent XXXX days on the phone with XXXX  between chats and phone calls trying to get this solved and yet everybody just keeps blaming everybody else. Nobody wants to take accountability or just help me release a hold Corporate then decides to tell me that the store has more control over that than they as corporate do makes no sense

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 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:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-09-12 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX 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 2025-09-12 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: 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 response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: PA

Complaint narrative:
Pandemic Impact Dispute Statement Subject : COVID-19 Relief Compliance CARES Act & FCRA Amendment This account, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Ending in XXXX was directly impacted by the COVID-19 pandemic during the XXXX  national lockdown. As the founder and sole operator of XXXX XXXX XXXX XXXX XXXX, I was subject to government-mandated closures and economic disruption that temporarily suspended business operations and affected payment ability. 

Relief and forbearance were requested during this period, but the account reporting does not reflect the protections afforded under federal law. 

Specifically, under Section 4021 of the CARES Act ( Pub. L. 116-136 ), which amended the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) ), furnishers are required to report accounts as current if a payment accommodation was made and the account was not already delinquent. This mandate applies to all Consumer Reporting Agencies ( CRAs ) including XXXX, XXXX, and Experian. 

The law defines accommodation as any agreement to defer payments, make partial payments, forbear delinquent amounts, or modify a loan due to COVID-19 hardship. The covered period began XX/XX/year>XXXX  and extended 120 days beyond the declared end of the national emergency. 

I am formally requesting that this account be reviewed and corrected to reflect compliance with the CARES Act and the amended FCRA, and that all CRAs update the reporting accordingly. This correction is essential to restoring accurate credit data and ensuring fair access to funding and financial tools.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Please delete the following accounts : XXXX XXXX XXXX XXXXXXXX - XXXX XXXXInquiryXXXX XXXX XXXX  XXXX Incorrect Personal XXXX XXXX XXXX  - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal, has violated my rights. 

I looked at my credit bureau credit report on XXXX XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I kindly request that you block this information from my credit report within four business days.

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 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I am submitting this formal complaint against the XXXX major credit reporting agenciesEquifax, Experian, and TransUnionfor reporting inaccurate, incomplete, and unverifiable information on my credit file. 

I have already disputed these items directly with the bureaus, but they have failed to remove or properly verify the accounts, inquiries, and tradelines that do not belong to me. These errors are damaging my credit standing and causing me distress. 

Equifax is inaccurately reporting accounts such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and others Equifax. 

Experian is reporting inaccurate accounts including : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian. 

TransUnion is reporting inaccurate accounts such as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX and others TransUnion XXXX 

All three agencies are also reporting unauthorized and inaccurate hard inquiries that I never initiated.

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