vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-04 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: Experian Information Solutions Inc.
State: IL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: IN

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 2025-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I have a dispute with American Express regarding account ending in XXXX which they refuse to resolve though customer service or their executive office. 
American Express cardmember agreement for this account requires mandatory arbitration for disputes. 
As specified in the agreement, arbitration was initiated by a claims notice sent certified mail XXXX, receipt of which was confirmed by email on XX/XX/year>XXXX  by the American Express Executive office. 
Arbitration case # XXXX for account XXXX is open with their specified arbitration organization, XXXX. 
American Express is refusing to participate in the mandatory arbitration proceedings and refusing all communication attempts from XXXX, the independent arbitration organization. 
This is in direct violation of the cardmember agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I need a follow-up complaint for the following unauthorized or unverified hard inquiries that appear on my credit report. In accordance with FCRA 604 ( a ) ( 3 ) and 611 ( 15 U.S.C. 1681i ), I am requesting that you initiate an investigation and remove any inquiries that can not be verified with proper documentation of my consent or permissible purpose. 
Inquiries in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: GA

Complaint narrative:
I need a follow-up complaint for the following unauthorized or unverified hard inquiries that appear on my credit report. In accordance with FCRA 604 ( a ) ( 3 ) and 611 ( 15 U.S.C. 1681i ), I am requesting that you initiate an investigation and remove any inquiries that can not be verified with proper documentation of my consent or permissible purpose. 
Inquiries in Dispute : 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 2025-08-04 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: VA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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 filing a complaint regarding inaccurate and inconsistent reporting of XXXX collection accounts by XXXX XXXX XXXX XXXX. The accounts, reported under original creditors XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, show conflicting information across TransUnion, Experian, and Equifax. 

XXXX account reports as open on TransUnion and closed on Experian. The same applies to the second account, where dates last active, balances, and statuses are inconsistent. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) by not maintaining accurate and consistent reporting across all three bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing a complaint regarding inaccurate and inconsistent reporting of XXXX collection accounts by XXXX XXXX XXXX XXXX. The accounts, reported under original creditors XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, show conflicting information across TransUnion, Experian, and Equifax. 

XXXX account reports as open on TransUnion and closed on Experian. The same applies to the second account, where dates last active, balances, and statuses are inconsistent. 

These discrepancies violate the Fair Credit Reporting Act ( FCRA ) by not maintaining accurate and consistent reporting across all three bureaus.

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 2025-08-04 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: LA

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice. 15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. Your continued reporting of them is reckless and potentially unlawful. I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. Any collection efforts tied to these accounts must cease and desist without delay. BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXX XXXX XXXX  Balance : {$170.00} ; XXXX XXXX -- -- XXXX Balance : {$130.00} ; XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$560.00}.

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 explanation
Consumer complaint received 2025-08-04 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under15 USC 1681. 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 15 U.S.C 1681 Section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-04 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am filing a second-round dispute regarding several unauthorized and outdated hard inquiries that remain on my Experian credit report. Despite my prior dispute and submission of a valid FTC Identity Theft Report, along with supporting documentation, Experian has failed to properly investigate or remove the inquiries in violation of the Fair Credit Reporting Act ( FCRA ) and Metro 2 compliance guidelines.

The following inquiries are being reported inaccurately without my authorization or permissible purpose under FCRA 604 : 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 XXXXXX/XX/year> These inquiries were not authorized by me, and Experian has not provided any documentation showing written consent, IP address logs, timestamps, or proof of authorization. Under FCRA 611, a consumer reporting agency is required to verify disputed information or delete it. Experian has not fulfilled this obligation.

In addition, Metro 2 guidelines require data furnishers and credit reporting agencies to remove unverifiable or outdated information. By retaining these inquiries despite my identity theft claim and lack of verification, Experian is reporting inaccurate and obsolete data. 

I am demanding the immediate deletion of the unauthorized inquiries listed above. I have already submitted an FTC Identity Theft Report and provided Experian with proof of identity and residence. Their continued reporting of these entries without proper reinvestigation constitutes willful noncompliance with FCRA 616 and 617.

I respectfully request the CFPB investigate this matter and compel Experian to remove these unauthorized and outdated inquiries from my credit report.

I also reference the CFPBs 2023 enforcement action against Experian ( Case : CFPB v. Experian Information Solutions , Inc. ), which detailed similar violations in the handling of consumer disputes and failure to properly investigate inaccurate or unauthorized data.

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 2025-08-04 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: CT

Complaint narrative:
pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681a 2 ( A ) ( i ). I believe the company is in clear violation of the law due to inaccurate reporting of late payments on my credit report.

According to 15 USC 1681a 2 ( A ) ( i ), accurate reporting is paramount to the fairness and transparency of the credit reporting system. Bureaus reporting of late payments is not only inaccurate but also damaging to my creditworthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-04 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: TX

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. I'm really sick and tired of this. I'm gon na go to court.

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 2025-08-04 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:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS INCLUSION ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND IS CAUSING SIGNIFICANT EMOTIONAL DISTRESS. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS SERIOUS ERROR. SEE THE ATTACHED DOCUMENT FOR VERIFICATION.

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 2025-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because I submitted an FTC Identity Theft Report and sent written dispute letters to all three major credit bureaus : Equifax, Experian, and TransUnion. These letters included the FTC report, my identification, and a request to investigate and remove fraudulent or inaccurate items from my credit reports. 

According to the Fair Credit Reporting Act ( FCRA ), the credit bureaus are required to conduct an investigation and respond within 30 days of receiving a dispute. However, it has now been over 30 days since they received my dispute letters, and I have not received any response, confirmation, or resolution from any of the credit bureaus. 

This lack of response violates my rights under the FCRA and has caused continued harm to my credit profile, as the inaccurate and/or fraudulent information remains on my reports. 

I am asking the CFPB to investigate this matter and ensure that the credit bureaus comply with the law by : Responding to my dispute, Completing a proper investigation, And removing all inaccurate or fraudulent items identified in my FTC Identity Theft Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 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: LA

Complaint narrative:
This complaint serves as a formal follow-up to the complaint I submitted last month regarding the unauthorized and fraudulent use of my Social Security number and personal identifying information. This correspondence reiterates and reinforces my demand for the immediate removal of all accounts that were fraudulently opened in my name. These accounts were not authorized, opened, or consented to by me and are not reflective of any legitimate financial activity. Their continued presence on my credit report is both inaccurate and damaging. Legal Grounds for Immediate Deletion : Pursuant to the following federal laws and regulations, I demand the permanent deletion of all fraudulent data : 15 U.S. Code 1681c2 : I am exercising my right to request the removal of all information resulting from identity theft. You are obligated to comply with this request. 12 CFR Part 1022, Subpart H : You are legally required to delete fraudulent information from my credit file within four ( 4 ) business days of receiving notice. 15 U.S. Code 1681a ( 2 ) ( B ) : Any credit transaction involving the unauthorized use of a Social Security number must be excluded from any consumer report. 15 U.S. Code 1692j : Misrepresenting a debt or furnishing deceptive forms is a direct violation of federal law. Demand for Immediate Action : Let me be absolutely clear : These accounts are fraudulent. Your continued reporting of them is reckless and potentially unlawful. I demand that all fraudulent accounts and inquiries be deleted from my credit file immediately. Any collection efforts tied to these accounts must cease and desist without delay. BELOW ARE THE ITEMS THAT NEEDS TO BE REMOVE ASAP : XXXX XXXX XXXXXXXX XXXX XXXX XXXX * Balance : {$460.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$560.00} ; XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX Balance : {$00.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with explanation