vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Complaint to CFPB : Denial of Access to Credit Report by Equifax Complainant Information : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Company : Equifax Information Services LLC Issue Type : Credit reporting Problem Description : I am filing this complaint because I have been unable to access my credit report through Equifax despite multiple attempts. When logging into my MyEquifax account, I received a technical error message with a code XXXX advising me to call customer service. 

I followed the instructions and attempted to contact Equifax using their customer service number. However, I have not received a resolution and still do not have access to my credit report. This is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), which guarantees consumers access to their credit information. 

I have also submitted valid identification documents ( a government-issued photo ID and my Social Security card ) to verify my identity and request the unblocking of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-05-08 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: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My TransUnion credit report reflects multiple closed accounts from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX and XXXX XXXX XXXX XXXX XXXX  from XX/XX/XXXX, both inaccurately listed with a {$0.00} reporting balance and past due amounts. Despite being closed, these accounts are incorrectly reported as late, which significantly impacts my credit score and financial stability. This misinformation not only damages my financial profile but also suggests a potential data breach, raising serious concerns about the security of my personal data. These errors violate my rights under 15 USC 1666 and 1666 ( b ), which require accurate reporting of payment histories and balances. This ongoing misreporting has placed immense emotional and financial strain on me, making it difficult to secure loans or even basic financial services.

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 2025-05-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Continuous problems with Amex going back a far as two year 's ago - they closed my business gold card account even though they were wrong in doing so and eventually credited me for only one of the disputed amounts they were supposed to ( please see my one and only claim with CFPB ) - XXXX XXXX XXXX  - XXXX XXXX XXXX and agreed to do so in a letter I received via AMEX XXXX but kept going back and forth and sending all different emails validating the disputed charge and then saying they did not approve it and it kept changing constantly. This not only hurt my credit score since they closed my account before I could settle this with the help of the CFPB but it continues to be a problem as they are not willing to clear up another erroneous charge that they re-billed to my account one whole year after in was credited from XXXX XXXX. I had asked them to send me a full accounting of this in several phone call attempts and none of the customer service agents could explain why this charge was rebiller dot my account a whole year later. Ive grown very Leary of AMEX and their business practices since having had my last issue with them. Their ways have hurt my business and I'm looking into seeking representation given the fact that they closed my account last year when I still had outstanding disputes going on. This left me without any way to access my online account and view transactions and use this card and have been an upstanding business partner since XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Global Lending Services LLC
State: LA

Complaint narrative:
I put XXXX down on a XXXX XXXX XXXX XX/XX/year>. As I was looking at contract I knew something was odd. The total price after putting XXXX down was XXXX. XXXX was the amount supposed to be financed I have made almost XXXX payments on car and balance is still XXXX and some change. Upon talking to lending company they told me they charging me XXXX each day for interest which brings the total price to XXXX. So they added my XXXX dollars in after that and that being total price to XXXX thats entirely too much interest added on a car with the original sticker price of XXXX. When I spoke with lender they told me you are stuck with that the dealer asked us for XXXX so we sent that to them. Trying to call XXXX at dealership no answer. When I asked for my money back first day after getting car they told me the XXXX XXXX XXXX had the money. But when I asks XXXX for the money they told me allstar had it. I have been going back at it with dealership and lender for XXXX years now still XXXX gotten any results. The only answer I get well you have to pay for it. Even though they are over the legal interest rate for Louisiana

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I attempted to access my credit report through Experian, but I received a message stating that they can not show my report because my personal information does not match what lenders have on file. I contacted Experian with all my accurate personal details, including my name, date of birth, address, last four digits of my SSN, and contact info, asking them to clarify what information needs to be corrected and what documents they need from me.

Despite this, I have not been able to access my credit report or get a clear response explaining the issue. This situation is preventing me from monitoring my credit, which is unfair and may affect my financial well-being.

I am requesting CFPBs assistance to help resolve this matter so I can access my credit report and ensure my file is accurate and complete.

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 2025-05-08 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: AZ

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND EQUIFAX TO HELP ME REMOVE FRAUDULENT ADDRESSES FROM MY CREDIT PROFILE. I AM A VICTIM OF IDENTITY FRAUD. PLEASE SEE ATTACHED FOR FURTHER SUPPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: TX

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: SC

Complaint narrative:
XX/XX/year> Freedom Mortgage overpaid taxes that they were told to not pay nor were to pay. They still went ahead and paid them. This caused a negative balance. Instead of contacting the tax authority they tried to extort me their customer to pay the negative balance. They refused to call the taxing authority which can only issue the check to them. I had to contact the county tax office who then sent a check to core logic. Core logic refused to offer any assistance as I was not the escrow holder. Freedom mortgage refused to contact core logic and still tried to extort the negative balance. 

They refused to adjust the payment amount even after receiving the check. 

This company has had to pay millions in fines already and clearly needs to be looked at. 

I have even contacted the XXXX XXXX XXXX via email and he ignored the issue. They have changed their phone numbers making it impossible to speak to someone. If you do get a hold of a supervisor they will hang up on you and you will start at square one.

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 2025-05-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Elite Recovery, LLC
State: OR

Complaint narrative:
Elite recovery called me about the apartments we use to live in. We broke the lease due to unsafe environment. We've nor received anything at all in mail. Just phone calls that tell me I can't dispute and taking me to court. Even the phone number is blocked for business name and it's out of Arizona and I'm in Oregon.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-08 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( EQUIFAX ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 
I am filing this FTC Identity Theft Affidavit to report four fraudulent accounts appearing on my consumer FICO Equifax credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an auto loan opened at 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 These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I just reviewed my credit report and noticed some inquiries I dont recognize. Im really XXXX  because I believe Ive been a victim of fraud. This whole situation has been incredibly stressful, and its preventing me from accessing the credit I urgently need.

Im truly overwhelmed and dont know what else to do. Please, I sincerely ask for your help in getting these fraudulent inquiries removed. Any assistance you can provide would mean so much to me. 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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am a victim of the Equifax data breach please see attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-08 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: MD

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: CCS Financial Services, Inc.
State: OH

Complaint narrative:
Subject : Urgent Request for Deletion - XXXX  Credit Report - Continued Inaccuracies Despite Previous FCRA Dispute To Whom It May Concern at XXXX, This letter pertains to the collection account for [ Original Creditor : XXXXXXXX XXXX XXXX XXXX ] I am writing again to demand the immediate deletion of this account due to persistent and significant accuracy issues, despite my previous dispute ( s ) filed under 15 U.S.C. 1681 ( Fair Credit Reporting Act ).

The continued reporting of this account with a " Status Updated '' date of XX/XX/XXXX, while simultaneously stating " {$670.00} past due as of XXXX XXXX, '' clearly indicates that the reported information is stale, inconsistent, and not reflective of the current status. This significant time gap in status updates demonstrates a failure to maintain maximum possible accuracy, as mandated by the FCRA. 
The fact that these inaccuracies persist even after my previous dispute underscores the inadequacy of your investigation process. The reporting of stale and contradictory information violates the FCRA and continues to negatively impact my credit report unfairly. 
Therefore, I reiterate my demand for the immediate and complete deletion of this inaccurately reported account from my XXXX  credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In 2023, I called all Equifax, Experian and TransUnion requesting to have the incorrect personal information removed from my credit report. All three companies said they would remove the items, but nothing has been removed. There are numerous phone numbers, addresses, the spelling of name and even my employer that are incorrect. There are multiple credit inquiries that I haven't authorize. I have also requested for two closed accounts be removed, because they both have been paid off. These bureaus are refusing to correct the issues.

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 2025-05-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In 2023, I called all Equifax, Experian and TransUnion requesting to have the incorrect personal information removed from my credit report. All three companies said they would remove the items, but nothing has been removed. There are numerous phone numbers, addresses, the spelling of name and even my employer that are incorrect. There are multiple credit inquiries that I haven't authorize. I have also requested for two closed accounts be removed, because they both have been paid off. These bureaus are refusing to correct the issues.

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 2025-05-08 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:
I insist that these fraudulent accounts be eliminated from my credit report, as I never opened them and had no knowledge of their existence. Per USC 1681g, I am requesting their deletion within 15 days. Enclosed are relevant documents as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: LA

Complaint narrative:
I was very surprised and disappointed to discover unauthorized credit inquiries and incorrect personal information made without my knowledge or approval. Despite my efforts to obtain clarification from the creditors, they have shamefully failed to give the requested information. I am demanding fast action and willingness from the creditors. Creditors must disclose full information about each inquiry, such as the dates, purposes, and types of credit products involved, as well as applicable application paperwork and evidence of explicit authorization. Please see the attached documents for my complaint!

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 2025-05-08 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-08 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: WA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ).

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