vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX is reporting inconsistent and inaccurate information to the credit bureaus. One account appears twice under different formats ( line of credit vs. overdraft account ), with one showing a charge-off status even after it was paid and closed on XX/XX/year>. Equifax  continues to show monthly charge-offs despite the {$0.00} balance. TransUnion reports it as paid after charge-off, but XXXX  does not report it at all. This duplication and inaccurate reporting are negatively affecting my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm disputing a credit inquiry that appears on my report from a company Ive never done business with and never gave permission to access my credit. I did not authorize this inquiry plain and simple. 

This was an unauthorized pull, and it has no legitimate purpose. Its either a mistake or a clear violation of my rights. Either way, it shouldnt be there.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: NJ

Complaint narrative:
I am writing to formally dispute inaccurate and unverified late payments reported by XXXX XXXX XXXX XXXX on my Equifax credit report. These entries do not reflect the true history of my account and appear to violate consumer protection laws under the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ).

Under the FCRA : 15 U.S. Code 1681e ( b ) requires Equifax to follow reasonable procedures to ensure the maximum possible accuracy of information reported.

15 U.S. Code 1681i ( a ) grants me the right to dispute information I believe to be inaccurate, and Equifax is required to reinvestigate the disputed information within 30 days. If XXXX XXXX XXXX XXXX can not verify the accuracy of the late payments, they must be removed from my report. 
Furthermore, under 15 U.S. Code 1666b ( TILA ), a creditor must credit a payment to the consumers account as of the date of receipt and must provide a reasonable grace period before reporting the payment as late. If XXXX XXXX XXXX XXXX failed to comply with these requirementswhether by misapplying a timely payment or reporting it late without valid causethen the late payment entry is inaccurate and unlawful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I applied for the American Express XXXX XXXX in good faith under a public welcome offer of XXXXXXXX XXXX XXXX points after spending {$2000.00} in 6 months. At no point during the application process did I receive any pop-up or notice informing me that I was ineligible for this offer. 

Believing I was eligible, I began using the card and have already spent over {$1000.00}. I also recently made a payment on the card. When I contacted American Express to confirm the status of the welcome offer, I was told I was not eligible without any specific explanation. The representative vaguely cited a combination of factors ( such as past account history, card openings/closings, etc. ), but refused to provide concrete reasons. 

I would not have applied for this card or spent this amount if I had been clearly informed upfront that I was not eligible. I never received the previously referenced Blue card ( it was never activated or used ), and American Express never communicated that it would affect my eligibility. 

I believe this is an unfair and deceptive practice. Amex failed to give transparent information at the time of application, yet penalized me retroactively after encouraging spending. I am requesting CFPB assistance to either receive the promised welcome offer or a resolution that reflects fairness. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

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 2025-05-28 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: SC

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year> I was charged by XXXX an amount of XXXX XXXX The bank ( U.S. Bank ) charged me a Foreign Transaction Fee of {$49.00} even though the transaction was in XXXX  The bank support said this : XXXX XXXX XXXX Thank you so much. So, what happens is that any transaction can be considered a foreign transaction. Whether it's in dollar amounts, or a different currency, it's dependent on how the merchant categorizes themselves. 
XXXX XXXX XXXX  You can walk inside a random grocery store and if they consider themselves as a foreign purchase, that's how it's going to be charged unfortunately. This doesn't always happen, but it can. 

But clearly a foreign transaction fee should only apply to foreign currency transactions, and not where the merchant is based.

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 monetary relief
Consumer complaint received 2025-05-28 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I am filing this complaint to request that Fifth Third Bank reconsider a permanent account ban that was placed on me. I understand that the decision may have been due to the number of dispute cases associated with my account, and I take full accountability for how that may have appeared from a risk management perspective. That said, I was acting in good faith and did not intend to misuse the dispute process.

This ban has had a serious negative impact on my life. I do not drive, and Fifth Third is the only bank within walking distance of where I live. All other nearby banks require minimum balances or charge monthly fees I can not afford, especially as I try to rebuild financial stability. Without accessible banking services, my ability to manage income, pay bills, and conduct daily life has been severely limited. I would like to continue banking with Fifth Third, and I am fully willing to abide by any account monitoring or restrictions the bank deems necessary. 
I have begun to question whether the decision to ban me was made solely on account activity, or if other factors played a role. While XXXX cant prove it, I cant help but feel that my XXXX and dependence on local services XXXX have contributed to the banks unwillingness to continue working with me. It feels as if the ban was an easy way to avoid accommodating a customer with different needs. 
I am not seeking special treatmentonly fairness. I would be more than willing to accept limitations on the account or increased monitoring if that helps the bank feel more secure. I am asking for the opportunity to be treated equitably and to regain access to essential banking services. 
I respectfully request the CFPB 's assistance in encouraging Fifth Third Bank to review this case and give me the opportunity to reopen an account. I believe this can be resolved fairly, and I am committed to maintaining a positive banking relationship going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Dear Equifax, In accordance with the Fair Credit Reporting Act ( FCRA ), I am formally disputing multiple unauthorized credit inquiries that appear on my credit report, and I am also requesting the correction of inaccurate personal information.

Unauthorized Credit Inquiries The following inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681, for the following reasons : 15 U.S.C. 1681 Section 602A Establishes my right to privacy regarding the use and distribution of my credit file.

15 U.S.C. 1681 Section 604 A ( 2 ) States that a consumer reporting agency may not furnish a report without the consumers written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Prohibits reporting any adverse item older than seven years.

15 U.S.C. 1681s-2 ( a ) Prohibits any person from knowingly furnishing inaccurate or unverifiable information.

These inquiries were not authorized by me and are not linked to any open or approved accounts. I respectfully request that you remove the following inquiries from my credit file : XXXX XX/XX/year>XXXX XXXX  XX/XX/year> XXXX Information Correction In addition, I am requesting that you correct my personal information as follows : Correct Legal Name : XXXX XXXX XXXX XXXX XXXX XXXX shown on my official identification ) Correct Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Employer Name ( if listed ) : XXXX Please update your records accordingly and remove any incorrect name variations, addresses, or employer names that may be listed in error.

Please conduct your investigation as required by federal law. I expect written confirmation of the results of your investigation and the actions taken within the timeframe mandated by the FCRA. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-28 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : To : Consumer Financial Protection Bureau ( CFPB ) Subject : Formal Complaint Regarding Inaccurate and Harmful Reporting by Experian XXXX XXXX XXXX XXXX Dear CFPB, I am writing to file a formal complaint against Experian for the inaccurate and damaging reporting of an auto loan account with XXXX XXXX XXXX XXXX XXXX XXXX ) on my credit report. 

This account involves a vehicle that was voluntarily surrendered in XX/XX/year>. Despite this, Experian is still reporting the account with the following misleading and harmful inaccuracies : A past due balance of {$2000.00}, which is not accurate based on the voluntary surrender and the current resolution of the account. 
A balance of {$9000.00}, which appears to be outdated and has not been updated following the repossession and likely auction of the vehicle. 
Multiple late payment entries, including a XXXX late status, which should not be listed after the vehicle was returned voluntarily and without repossession action. 

According to FCRA Section 607 ( b ), Experian has a legal obligation to report only accurate and up-to-date information. Additionally, under FCRA Section 623, data furnishers are required to update or delete information that is no longer accurate. 

In this case, the continued reporting of late payments and a past due balance after a voluntary surrender violates these legal obligations. The account is being reported in a way that makes it appear unresolved and severely delinquent, when in fact the vehicle was returned in XX/XX/year> under a voluntary agreement. 

I have attempted to resolve this through Experians standard dispute process, but they have failed to make the necessary corrections. Therefore, I am requesting the following immediate actions : XXXX. Delete all late payment notations associated with this account. 
XXXX. Update or remove the balance, if it can not be verified as current and accurate. 
XXXX. Remove the account entirely from my credit report, if Experian can not report it with complete and truthful accuracy.

This inaccurate reporting is unjustly harming my credit score and financial standing. I am requesting the CFPBs urgent assistance in correcting this issue and holding Experian accountable for its failure to uphold federal consumer protection laws. 

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 2025-05-28 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: MI

Complaint narrative:
I was impacted by a recent data breach, and fraudulent accounts have been placed on my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), please ensure these accounts are blocked and deleted within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX  XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX  - Account Number : XXXX * * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$1000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2600.00} InquirieXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-28 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C. 1681c-2 ) that you, the credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of personal credit card accounts, auto loans, personal loans and open end unsecured consumer accounts. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-05-28 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: MO

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 XXXX 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 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 2025-05-28 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: MO

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 XXXX 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. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 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 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