vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I submitted a formal dispute to the credit bureau, along with all documentation required under federal lawincluding a valid Identity Theft Report, proof of identity, and a written request pursuant to FCRA 605Bseeking the prompt removal of fraudulent information from my credit report. Despite full compliance with these statutory requirements, the bureau failed to block the disputed information within the four-business-day period mandated by law. I respectfully request that the CFPB investigate this clear violation of the Fair Credit Reporting Act and take appropriate enforcement action to ensure the permanent deletion of the fraudulent data. Enclosed are copies of my dispute letter and all supporting documentation for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am filing this complaint to dispute XXXX XXXX XXXX improper handling and reporting of my auto loan account, number XXXX, for a XXXX XXXX XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX, XXXX XXXX XXXX placed a timely payment of {$650.00} into a Pre-Credit Suspense status rather than applying it directly to my loan. I have never disputed this account, and there is no valid basis for suspending or withholding payment application, nor for associating this account with any consumer dispute notation under Metro 2 guidelines. I am the borrower in good standing. The use of Pre-Credit Suspense is misleading and creates the false appearance that the account is disputed or unresolved, which could trigger inaccurate credit reporting or delayed application of funds. 

On XX/XX/XXXX, XXXX XXXX XXXX issued a written confirmation letter stating that my account was current as of XX/XX/XXXX. Despite that, the transaction history clearly shows the {$650.00} was placed in a suspense status rather than properly credited. If this suspense action delays application or falsely triggers a 30-day late flag, it would be a violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits a furnisher of information from reporting information it knows or has reasonable cause to believe is inaccurate, and 1681s-2 ( b ), which mandates prompt investigation and correction once a dispute is raised. Additionally, the continued marking or holding of payments in suspense could constitute deceptive or unfair practices under 15 U.S. Code 45 ( a ) ( Section 5 of the FTC Act ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am filing this complaint to dispute XXXX XXXX XXXX improper handling and reporting of my auto loan account, number XXXX, for a XXXX XXXX XXXX XXXX XXXX XXXX. On or around XX/XX/XXXX, XXXX XXXX XXXX placed a timely payment of {$650.00} into a Pre-Credit Suspense status rather than applying it directly to my loan. I have never disputed this account, and there is no valid basis for suspending or withholding payment application, nor for associating this account with any consumer dispute notation under Metro 2 guidelines. I am the borrower in good standing. The use of Pre-Credit Suspense is misleading and creates the false appearance that the account is disputed or unresolved, which could trigger inaccurate credit reporting or delayed application of funds. 

On XX/XX/XXXX, XXXX XXXX XXXX issued a written confirmation letter stating that my account was current as of XX/XX/XXXX. Despite that, the transaction history clearly shows the {$650.00} was placed in a suspense status rather than properly credited. If this suspense action delays application or falsely triggers a 30-day late flag, it would be a violation of the Fair Credit Reporting Act, specifically 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), which prohibits a furnisher of information from reporting information it knows or has reasonable cause to believe is inaccurate, and 1681s-2 ( b ), which mandates prompt investigation and correction once a dispute is raised. Additionally, the continued marking or holding of payments in suspense could constitute deceptive or unfair practices under 15 U.S. Code 45 ( a ) ( Section 5 of the FTC Act ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TX

Complaint narrative:
Hard inquiries have surfaced on my credit report which I did not authorize or initiate. These entries are potentially harming my credit reputation and were added without my knowledge or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: NY

Complaint narrative:
I am writing to file a formal complaint regarding the inaccurate reporting of a late payment on my credit report by credit bureaus. The presence of this late payment inaccurately reflects my payment history, as I have consistently paid my bills on time. This discrepancy constitutes a billing error, violating my rights under the Fair Credit Billing Act, 15 USC 1666B. According to this law, consumers have the right to dispute and seek correction of billing errors, which include inaccuracies in payment reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: GA

Complaint narrative:
I am specifically demanding the following : Proof of Ownership, Chain of Title, and Securitization Evidence.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX. XXXX pertains to civil liability for willful noncompliance with the Fair Credit Reporting Act ( XXXX ). This means that individuals or entities that knowingly violate the FCRA, either intentionally or recklessly, can be held liable for damages to consumers. The specific section outlines the penalties for such violations, including actual damages, punitive damages, and attorney 's fees. Subject : Final Notice of Violations of My Rights Under XXXX  and XXXX Dear XXXX Reporting Agencies : TransUnion, Equifax, Experian This letter serves as a final notice regarding the ongoing violations of my rights under the Fair Credit Reporting Act ( XXXX  ) and the Fair Debt Collection Practices Act ( FDCPA ), specifically referencing XXXX XXXX XXXX and XXXX XXXX Code XXXX ( XXXX ). 

Despite my repeated requests for a fair and complete method of verification concerning the inaccuracies on my credit report, your agency has failed to comply. I have provided extensive documentation, including my recent utility bill, current loan bill, lease agreement, Social Security card, driver 's license, police report, FTC report, proof of identity theft data breaches and investigation from the original creditor saying it's not mine, and identity theft affidavit. Yet, you continue to claim that you require additional information, which I believe constitutes willful noncompliance on your part. 

The inaccuracies on my report have resulted in significant harm, including denial of job applications, housing, and credit opportunities. Specifically, my application for the XXXX  XXXX  XXXX position ( Job Application : XXXX XXXX - XXXX ) was affected by the erroneous bankruptcy and credit score reflected on my report. This situation has caused me considerable XXXX XXXX XXXX XXXX, while your agency receives compensation for maintaining and reporting this inaccurate information. 

I have kept track of all correspondence, including traceable mail, and your responses to the Consumer Financial Protection Bureau ( CFPB ) demonstrate a lack of proper investigation into this matter. Your agency 's failure to rectify these inaccuracies and provide a complete and fair report is unacceptable. 

This is a final notice requesting an immediate update on the status of my dispute. I expect prompt action to correct my credit report and ensure my rights are upheld. Failure to address this matter will leave me no choice but to escalate my complaint to the appropriate regulatory authorities. XXXX XXXX. XXXX ( XXXX ) information is inaccurate XXXX XXXX. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called in on XX/XX/XXXX and XX/XX/XXXX to make payments towards my car loan as I was about to refinance with my XXXX XXXX. I requested that all payments go towards the principal ONLY. I paid {$1000.00} on XX/XX/XXXX it went towards the principal. I made another payment of {$1200.00} on XX/XX/XXXX ( it was supposed to go towards the principal per my request and it went towards the interest ). I called the following day because the payment of {$1200.00} didn't look like it went towards the principal as requested and I was advised that it had not posted so I made an additional payment that I requested go towards the principal only of {$100.00} on XX/XX/XXXX but they applied {$84.00} towards principal and {$16.00} towards interest. I called to get this corrected and they refuse to correct it and gave me the run around they said they would put in a request to have it adjusted and then rejected it. I also requested the phone calls be pulled to verify that the request was made. They said they did and put in the adjustment. Then tried to gaslight me by saying the interest would have to be paid anyways. That was not XXXX XXXX. I made the request to have it put towards the principal and that is exactly what I wanted done. It is now XX/XX/XXXX and still nothing has been resolved after reaching out to the finance company several times to rectify the issue. I also requested all payments so that I can see how the money was allocated throughout the loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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 writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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 am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Date : XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Dispute of Inaccurate Student Loan Information Under FCRA, FERPA, and Metro 2 To Whom It May Concern, I am writing to formally dispute inaccurate and potentially non-compliant student loan information currently being reported on my Equifax credit report.

The following accounts appear to be reported in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 and 1681s-2 ), Metro 2 compliance standards , and the Family Educational Rights and Privacy Act ( XXXX ) : DEPT OF EDXXXX multiple student loan tradelines with similar details, High Credit : {$1700.00} {$3500.00} XXXX XXXX transferred/sold, fragmented entries with inconsistent dates XXXX XXXX XXXX XXXX XXXX no activity since XX/XX/XXXX XXXX still reporting These accounts are : Reporting duplicate or fragmented tradelines Showing outdated or incorrect last activity dates Lacking verification of educational relationship and authorization under FERPA Potentially re-aged or inaccurately updated Under 15 U.S.C. 1681s-2, furnishers must report accurate and complete data, and you are required to investigate and delete any unverifiable or inaccurate information.

Please conduct a reinvestigation, and if the furnishers can not v
erify the data in compliance with federal law and Metro 2, I respectfully request permanent removal of the accounts from my credit file.

Enclosed are copies of my ID and supporting documentation. 
Please respond within 30 days as required by law. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: OH

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under XXXX XXXX. XXXX, and I will not tolerate these illegal actions. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : I am entitled to privacy, and these accounts are infringing on that right. 

Violation of XXXX XXXX. XXXX, Section XXXX ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported. 

Violation of XXXX XXXX. XXXX ( a ) ( XXXX ) : No adverse items of information should appear on my report if they date back more than XXXX years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of XXXX XXXX. XXXX ( A ) ( XXXX ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-22 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: MI

Complaint narrative:
Info on my accounts keeps coming back as accurate. They r not being investigated. A lot of info is incorrect. Wrong address. Account amounts are in correct.ive disputed these items several times in the last few months..

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: NJ

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

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent :XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 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: CT

Complaint narrative:
I am disputing multiple charges from XXXX XXXX XXXXXXXX XXXX XXXX. made using my American Express card for orthodontic treatment I received in the XXXX XXXX. In total, there are approximately XXXX different charges, each with different amounts, all related to various stages or components of the same treatment plan. 

The issue is that the provider did not complete the treatment as agreed. I paid for services that were either never provided or were delivered incorrectly. After multiple attempts to resolve this directly with the merchant which were unsuccessful I filed disputes with American Express. 

American Express initially credited me back, but later reversed the credit. They stated that my inquiry was related to a " tort claim '' ( e.g., harm or malpractice ), which is not true. I am not seeking compensation for injury or emotional distress. This is strictly a case of services not rendered or delivered as promised, which should fall under the Fair Credit Billing Act. 

I asked Amex to review the disputes again, explaining that these were billing disputes, not legal claims. However, they refused to reopen or investigate further and advised me to pursue legal action, which is not practical in this case. 

I am requesting the CFPBs assistance in : Having Amex properly evaluate all of these disputes as failures of service, Reaching out to the merchant if needed, And helping me obtain refunds for the charges where the service was incomplete, defective, or never provided. 
I can provide dates, receipts, and documentation for each charge and communication with the merchant if required.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My account was used and funds were drained from my account. I contacted chase to solve the issue which they started to do.They ended up closing my account saying authorized the money however I didnt. I just want my money back I did not authorize these transactions and account was obviously breached as checked by the security logins there is a random device! Claim id XXXX I am requesting Chase to reconduct their research and to credit me the money which was stolen from me!

Company response to consumer: Closed with explanation