vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am requesting that outdated or incorrect previous address information be removed from my Equifax credit report. This information is no longer accurate or associated with my current profile and XXXX be causing confusion in the verification process. 

Charged Off Account : Creditor : XXXX XXXX  Account Number : XXXX Date Opened/Reported : XX/XX/year> Balance Reported : {$0.00} I dispute the accuracy of this accounts charge-off status and reporting date. The account is showing inconsistent information compared to the other credit bureaus, and I request validation of the charge-off status and correction or deletion if the information can not be verified. 

Late Payment Accounts : XXXX  XXXX, Account # XXXX XXXX  XXXX, Account # XXXX XXXX, Account # XXXX I dispute the reported late payments on these accounts. I have reason to believe that the reported delinquencies are inaccurate or not properly verified. I request Equifax to re-verify these payment histories with the original creditors and correct or delete any unverifiable late payment records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: MI

Complaint narrative:
I am disputing the following charged-off accounts that have incorrect information appearing on my credit report. 

Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00} Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1100.00}

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 2025-12-29 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: AR

Complaint narrative:
This is my final notice regarding your ongoing noncompliance with federal credit reporting laws. I previously disputed the accuracy and legitimacy of several items on my credit report, yet your agency has failed to act in accordance with the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 

Your violations include : Failure to validate the debt as required under 15 USC 1692g ( Section 809 ( b ) ).

Continuing communication after a certified cease-and-desist request, violating 15 USC 1692c ( Section 805 ( c ) ).

Harassment under 15 USC 1692d ( Section 806 ). 
Recently, I received notice that your investigation was complete, but the disputed accounts remain on my credit report. These accounts are not only inaccurate but were never authorized by me. No valid contract exists, and I have not provided any written consent for the reporting of these accounts, as required under 15 U.S. Code 1681b.

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 2025-12-29 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:
I am writing to dispute certain items on my credit report dated XX/XX/XXXX. Below are the accounts that I believe contain inaccuracies. I request an investigation under the Fair Credit Reporting Act ( FCRA ). 
1. Account : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$990.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX This account is incorrectly reported as a collection account. I request that this be reviewed and removed from my credit report if it is inaccurate. 
2. Account : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$21000.00} Date Opened : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: NY

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit 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 explanation
Consumer complaint received 2025-12-29 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: OH

Complaint narrative:
I am filing this complaint to request the Consumer Financial Protection Bureaus assistance in correcting inaccurate or unverifiable information being reported by the three major credit bureaus Experian, XXXX, and XXXX. The information listed below contains accounts, inquiries, and addresses that are either inaccurate, outdated, or unverifiable. I have made multiple attempts to resolve these matters directly with the bureaus and furnishers, without success. 

Accounts in Dispute Charged Off / Collection XXXX, Acct # XXXX Reported charged off on XX/XX/XXXX with a {$0.00} balance. This account should not be reporting as charged off with no balance ; I request verification of accuracy or removal. 

XXXX XXXX, Acct # XXXX Reported XX/XX/XXXX for {$620.00}. This date appears inaccurate and can not be verified ; please confirm validity or delete. 

XXXX XXXX, Acct # XXXX Reported XX/XX/XXXX with a {$50.00} balance. Please verify reporting accuracy, including balance and status. 

XXXX XXXX, Acct # XXXX Reported XX/XX/XXXX for {$5500.00}. This collection is disputed as inaccurate and unverifiable. 

XXXX, Acct # XXXX Reported XX/XX/XXXX for {$190.00}. I dispute this debts accuracy and ownership. 

Inquiries None currently listed ; please remove any unauthorized or outdated inquiries not associated with recent applications. 

Previous Address XXXX XXXX, XXXX, OH XXXX I no longer reside at this address; please remove or update to my current address.

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 2025-12-29 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: NC

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-29 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: AL

Complaint narrative:
I am filing this complaint as a consumer regarding inaccurate and unverified information being reported on my Equifax credit report. I have reviewed my report carefully and identified multiple accounts, late payments, and inquiries that I believe are inaccurate, incomplete, outdated, or not properly verified as required under the Fair Credit Reporting Act ( FCRA ). 
Charged-Off Accounts The following accounts are being reported as charged off, yet I have not been provided with proper verification or documentation showing that these accounts are accurate, complete, and legally mine : XXXX Account # XXXX ( Reported XX/XX/XXXX, Balance {$580.00} ) XXXX  Account # XXXX ( Reported XX/XX/XXXX, Balance {$170.00} ) XXXX XXXX Account # XXXX ( Reported XX/XX/XXXX, Balance {$0.00} ) These accounts are being reported without clear evidence of validation, contract, or proof of obligation. If Equifax can not confirm the accuracy and legitimacy of these accounts with the original creditors, they must be removed. 

Late Payment Reporting XXXX Account # XXXX This account reflects late payment history that I dispute. The reporting does not accurately reflect my payment history and lacks proper documentation to support the negative reporting. 

Inquiries There are no inquiries listed under Equifax at this time ; however, I request Equifax ensure no unauthorized or inaccurate inquiries are being reported. 

I am requesting that Equifax conduct a full reinvestigation and remove any information that can not be fully verified, is inaccurate, or is being reported in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: Affirm Holdings, Inc
State: AR

Complaint narrative:
I purchased a mini split system through XXXX XXXX with financing through affirm USA. The instruction in the manual were incorrect which I can prove through email correspondence. These incorrect instructions caused system to be installed incorrectly it will cost several XXXX dollars to remedy mistake caused by incorrect instructions. I attempted to return item through advertised 30 day return window but was only offered XXXX off. I disputed charge via affirm and offered evidence of email correspondence. Affirms resolution was that I was responsible for entire amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Fresh Start Funding, LLC
State: TX

Complaint narrative:
The lawyer did not fulfill her obligation and didn't put any agreed terms from mediation into the final decree. I attempted to reach out to the attorney for months with no response. I filed a complaint with the bar and found out the attorney was disbarred. The debt shouldn't be owed since the attorney didn't fulfill the contract or attempt to correct what they failed to do.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
I had the pay date set to automatically pay on the due date. Because the due date fell on a Sunday, and the payment paid on the following business day, Truist Bank charged me a late fee of {$20.00} and a finance charge of {$0.00}. 

I have since understood this is not according to the Credit CARD Act of XXXX ( amending the Truth in Lending Act ) and guidance from the Consumer Financial Protection Bureau ( CFPB ). 

It disturbs me due to Truist being such a large bank with thousands of customers who are being likely and wrongly charged with late fees and interest for the same erroneous reason. 

One would think that such a large bank would know and stay within the law.

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 2025-12-29 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: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally dispute the following accounts that have been reported inaccurately on my credit reports. I request a thorough investigation into these accounts with the bureaus listed below. Please see the details for each bureau. 

CHARGED OFF Accounts : XXXX XXXX XXXX  Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$450.00} XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XXXX, Balance : {$0.00} XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {$260.00} XXXX XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$660.00} XXXX XXXX Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : {$210.00} LATE PAYMENT Accounts ; CXXXX XXXX XXXX XXXX Account 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 2025-12-29 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: FL

Complaint narrative:
I am submitting this complaint because my credit reports with Experian and TransUnion continue to display inaccurate and unverifiable negative information that does not meet the reporting standards required under the Fair Credit Reporting Act. Specifically, there is a charged-off auto loan account reported by XXXX XXXX XXXX XXXX showing a past-due balance of approximately {$15000.00} with ongoing derogatory status. This account was charged off in XX/XX/XXXX, yet it continues to be reported with conflicting payment histories and balances that have not been properly validated. I have previously disputed this account directly with the credit bureaus, requesting full verification of the debt, including proof of accuracy, complete payment history, and confirmation of legal responsibility. Despite these disputes, the account remains reported without the bureaus providing evidence that a proper reinvestigation was conducted or that the furnisher supplied competent verification as required by law. Additionally, there are hard inquiries from XXXX XXXX, XXXX, and XXXX that I do not recognize or did not authorize, which were reported in XXXX and have not been substantiated with permissible purpose documentation. The continued reporting of these items has caused ongoing harm to my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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: FL

Complaint narrative:
I have reached out to American Express several times over the past 2 months related to a material benefit change to my American Express XXXX XXXX that occurred shortly after my renewal date. The last time I spoke to American Express was on XX/XX/year>, where the customer service representative advised me to send in the communication attached to this complaint. I have not heard back from American Express to date. 

I renewed my XXXX XXXX XXXX in XX/XX/year>, paying the {$690.00} annual fee based on the published benefit that the 35 % Pay with Points rebate applied to all first and business-class flights on any airline, as well as flights on my selected carrier. This was the primary factor in my renewal decision ( my historical usage of this benefit was proof of this ). 

Less than 30 days after my renewal in XX/XX/year>, American Express disclosed ( apparently on page XXXX of my XX/XX/year> paperless delivered statement ) that effective XX/XX/year>, this benefit would be reduced to apply only to a single designated XXXX XXXX. The change occurred early-cycle, after my renewal, and materially reduced a key benefit I had just paid for. 

In XX/XX/year>, I redeemed XXXX points for a business-class booking, reasonably expecting the 35 % rebate. Because of the mid-cycle change, I lost approximately XXXX points in expected rebate value. I contacted support twice via chat but was simply told no and there was no alternative path for resolution. When I called on XX/XX/year>, to cancel all cards associated with my XXXX accounts due to this situation, the representative requested I send a communication to this address in the hope of an alternative ending. He requested I not cancel my cards, as he thought I would receive a favorable response ; however, I have not heard from American Express to-date. I have attached the letter sent to American Express on XX/XX/year> to this communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-29 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:
To Whom It May Concern, I am writing to formally dispute inaccurate information currently being reported on my consumer credit profile. This letter serves as my third formal notice regarding this matter.

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), consumer reporting agencies and information furnishers are required to ensure that all reported information is accurate, complete, and verifiable. Despite my prior disputes, you have failed to provide proper verification of the disputed account ( s ), yet the information continues to be reported.

Please be advised that a repeated failure to properly investigate and validate disputed information constitutes a willful and/or negligent violation of the FCRA, including but not limited to : 15 U.S.C. 1681s-2 ( b ) Failure to conduct a reasonable investigation 15 U.S.C. 1681e ( b ) Failure to maintain reasonable procedures to assure maximum possible accuracy As this is the third dispute, continued reporting without proper validation is unacceptable. If you are unable to provide competent evidence verifying the accuracy of the reported information, you are required by law to delete or correct the account immediately. 

Please note that under 15 U.S.C. 1681n and 1681o, consumers may recover statutory damages of up to {$1000.00} per violation, as well as actual damages, attorneys fees, and court costs, for noncompliance with the FCRA.

I am requesting written confirmation that this matter has been resolved within the time frame required by law. Failure to do so may leave me no choice but to pursue all remedies available to me.

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 2025-12-29 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/year>, I placed an online order with XXXX XXXX. Below is a screenshot of the online order confirmation. I also received a text with the following XXXX, which still shows the order as confirmed : https : XXXX Despite this, my credit card was charged immediately for {$190.00}, yet the item has never shipped. As of today, XX/XX/year>, the order has not progressed, and I have received no updates or tracking information. My repeated attempts to contact the company and cancel the order have gone unanswered. 

Citibank has repeatedly denied my dispute claims for nondelivery of goods, and they have not provided me with specific documentation the merchant provided that led to the claim being denied.

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 2025-12-29 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:
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 response to consumer: Closed with non-monetary relief