vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am submitting this complaint to report XXXX continued failure to properly reinvestigate and correct inaccurate late payment information appearing on my credit file, despite multiple disputes dated XX/XX/year>, and XX/XX/year>. The accounts in XXXX XXXX XXXX and XXXX XXXX XXXX ) continue to reflect erroneous late payment entries that have not been substantiated by any verifiable documentation. Equifax has not provided the name, contact information, or method of verification for the individuals or entities who allegedly confirmed the disputed data, as required by FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ). Under the Fair Credit Reporting Act, Equifax is legally obligated to perform a reasonable reinvestigation and to delete or correct unverifiable or inaccurate information under 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( B ). Despite this, Equifax has failed to comply and continues to report these false delinquencies, which have negatively affected my credit standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX bribed me and my husband into taking out a time share with their company, misleading us with false information. They said that we would be able to use the time share and rent it out. We paid a deposit and fell into the trap of it being on my credit report as a mortgage. We had no idea what we were signing. Now, they keep calling us to re-sign up with them so that they may take away the information on my credit report. It is a bad scam.

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 2025-11-07 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: NC

Complaint narrative:
I disputed incorrect information on my credit report, but the credit bureau said my disputes came from a third party, which is not true. I personally sent the disputes myself. I even called to confirm it was me, but they still refused to process them. 
I spent money mailing my letters and included documents to prove my identity. Its unfair that they didnt investigate properly. I just want my disputes handled correctly as required by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FISERV FINXACT CORE
State: NY

Complaint narrative:
I am filing this complaint because TRS Recovery Services has failed to correct a billing and identity issue related to my account. 

The billing information continues to show another persons name ( my aunt ) instead of mine, even though I am the actual account holder and have provided documentation proving this. 

I have contacted TRS Recovery Services multiple times and also submitted complaints through the XXXX XXXX XXXX XXXX XXXX XXXX  Despite repeated requests, the company refuses to provide written confirmation that the billing has been corrected or to properly update the account under my name.

This ongoing inaccuracy has caused unnecessary stress and confusion, and I am requesting that the CFPB require TRS Recovery Services to : 1. Correct the billing name and reflect my identity as the true account holder.

2. Provide written confirmation that the change has been made.

3. Cease any future contact or collection attempts under the wrong name.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: NY

Complaint narrative:
I have sent several letters requesting the debt validation and nothing has been sent. The credit bureau said the debt was verified but they did not provide by who, when and what was the means that they verified the debt. I keep telling them this is identity theft but it goes ignored.

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 2025-11-07 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: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: TX

Complaint narrative:
Good day, I am writing to formally dispute theseunauthorized hard inquiriesthat has appeared on my credit report. Upon reviewing my credit report, I noticed thesehard inquiriesthat I did not authorize, and I believe these are result of fraudulent activity. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon regarding the resolution of this dispute.

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 2025-11-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I XXXX XXXX have received information regarding a debt that is being claimed against me. Though my rights in accordance with 15 U.S. Code 1629g, I hold the right to verify the total debt amount, including any fees and who the original party that is making the claim. After receiving such information I will review and respond within 30- day period allotted to me under federal law. If it is found that there is no evidence of thus debt under my name then I demand that all credit bureaus and financial institutions be made aware or a complaint will be filed to the respective local and federal agency. Furthermore, I request a cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by our company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to state and federal penalties. I appreciate your effort in this matter and look forward to your response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-07 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: AR

Complaint narrative:
I previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
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 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

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 2025-11-07 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On [ XX/XX/year>XXXX  ], I discovered a hard inquiry from [ Wells Fargo Auto ] on my credit report. I did not apply for credit or authorize this company to access my credit file. I have no relationship with this company. 

Under the FCRA, only inquiries with permissible purpose and consent may be reported. I request that this be investigated and removed immediately. This inquiry is unauthorized and is negatively impacting my credit. 

Please provide documentation of my consent or remove the inquiry promptly.

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 2025-11-07 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TX

Complaint narrative:
My roommate and I moved out on XX/XX/XXXXXXXX  from this apartment. We then received correspondence stating that we owed {$1300.00} to cover damages. I requested documentation of the damages and received invoices from XXXX. They provided a photo of a hole in the wall and a hanging air vent, both of which were due to the maintenance person who came in to fix our AC who left a hole in the wall after attempting to rewire the thermostat and left the air vent open while checking the XXXX XXXX which was out for 3 months. When I spoke with XXXX XXXX on the phone from XXXX XXXX, he was rude and threatened to sue us if we took the issue to court, as they did not provide direct invoices for any alleged repairs made. The collect amount has increased from {$1300.00} to {$1600.00} and then recently increased {$3.00} over the past week, resulting in my credit score to drop down XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AFNI INC.
State: IL

Complaint narrative:
In XX/XX/year>, I received a collection letter from Afni, Inc. claiming I owed {$5000.00} related to a XXXX insurance subrogation claim dated XX/XX/year>. 

On XX/XX/year>, I sent Afni a written request for debt validation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), asking for proof of liability, an itemized accounting, and documentation authorizing them to collect. 

Instead of responding with validation, Afni sent another collection letter dated XX/XX/year>, offering a discounted settlement of {$2500.00}. This was a continued attempt to collect the alleged debt without providing verification, which violates the FDCPA requirement to cease collection activity until validation is provided. 

I am requesting investigation and enforcement action for Afnis continued collection activity after a written validation request and for contacting me about an unverified debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: CL Holdings LLC
State: GA

Complaint narrative:
I am formally disputing the accuracy and legality of the charge-off accounts currently being reported on my XXXX credit report.

Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ) and 611, I am requesting a full reinvestigation and removal of all charge-off entries that can not be verified with original source documentation. If these accounts have been sold, transferred, or assigned, you are required to confirm the current ownership and furnish proof of a legal right to report. 
Reporting a sold or transferred account as a charge-off constitutes duplicate and misleading reporting, in direct violation of FCRA 607 ( b ) for accuracy and 623 ( a ) ( 1 ) ( A ) for furnishing false or outdated information.

Failure to remove unverifiable, inaccurate, or misrepresented charge-off data within the 30-day reinvestigation window will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) for non-compliance. I expect immediate deletion or documented proof of lawful reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: FL

Complaint narrative:
I am submitting this fifth follow-up regarding discrepancies on my credit report related to the XXXX XXXX  account XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), which continues to reflect inaccurate information. These inaccuracies are adversely affecting my credit report and my ability to access fair financial opportunities. 
The account is reported with a balance of {$0.00} and includes multiple late payments as follows : XXXX XXXX 30 days late XXXX XXXX 60 days late XXXX XXXX 90 days late XXXX XXXX  120 days late Upon reviewing my records, I can confirm that this account was never in the reported state, and the late payments are inaccurate. Furthermore, I have noticed that this same account is being reported as closed across other credit reporting entities, further indicating inconsistencies that need immediate correction.As a responsible consumer, I am invoking my rights under FCRA 609 ( a ), which allows me to request verification of any information on my credit report. Additionally, under FCRA 607 ( b ), credit reporting agencies must maintain reasonable procedures to ensure the maximum possible accuracy of reported information. The discrepancies in this account suggest that these procedures have not been properly followed.Furthermore, FCRA 611 ( a ) ( 1 ) provides consumers the right to dispute any incomplete or inaccurate information, and FCRA 623 ( a ) ( 1 ) ( A ) obligates furnishers of information to report complete and accurate data.Based on these provisions,

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 2025-11-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I received a notice from American Express after XXXX XXXX  XX/XX/XXXX stating that my account was being reviewed for a possible limit reduction. The notice demanded that I make a payment of {$5200.00} within three days ( by XX/XX/year> ) to avoid this action. 

This is an unreasonable and unfair demand. My account has always been in good standing, and I have maintained a consistent payment record. Despite that, I am being given less than 72 hours to make a large, unplanned payment under the threat of having my credit limit reduced.

This short timeframe constitutes an unfair and predatory lending practice. Three days is not a reasonable period for a responsible borrower to produce thousands of dollars on short notice, especially when there has been no delinquency or prior communication indicating financial distress.

The letter also stated that my account may experience temporary disruptions to spending during review, which could cause significant harm to my credit utilization ratio and overall credit profile. American Express is effectively penalizing me based on automated risk modeling rather than actual payment performance.

This policy places responsible borrowers at a disadvantage and could have lasting negative effects on their credit profiles. I am asking the CFPB to investigate this practice and ensure that American Express complies with fair lending and credit reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-07 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: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies I have found on my credit report, which I obtained from your bureau. After thoroughly reviewing the information, I have identified several discrepancies that need immediate attention, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$62.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to have these issues investigated and resolved within 30 days. I request that you take appropriate action to investigate, correct, and delete any inaccurate or outdated information from my credit report.

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 2025-11-07 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: SC

Complaint narrative:
I am submitting to formally dispute multiple inaccuracies I have found on my credit report, which I obtained from your bureau. After thoroughly reviewing the information, I have identified several discrepancies that need immediate attention, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). 
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 XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$1100.00} XXXX  XXXX XXXXXXXX XXXX XXXX Balance : {$62.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$3100.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Under FCRA 611 ( 15 U.S.C. 1681i ), I am entitled to have these issues investigated and resolved within 30 days. I request that you take appropriate action to investigate, correct, and delete any inaccurate or outdated information from my credit report.

Company response to consumer: Closed with non-monetary relief