vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to formally dispute certain information on my credit report that I believe is inaccurate and is negatively impacting my financial well-being. In accordance with the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough and timely investigation into these discrepancies. 
It has come to my attention that the Consumer Financial Protection Bureau ( CFPB ) recently filed a lawsuit against Experian for failure to properly investigate consumer disputes, citing practices such as : 1. Inadequate investigations that fail to address consumer disputes adequately 2. Reinsertion of previously disputed and inaccurate information without sufficient explanation 3. Failure to properly notify consumers about the results of investigations These practices, as described by the CFPB, highlight significant concerns about the integrity of credit reporting agencies ' processes and consumer protections. Given these allegations, I am concerned that my dispute may not be handled in a manner that adheres to the legal standards set forth by the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Larry H. Miller Group of Companies
State: IL

Complaint narrative:
I believe my loan is very predatorXXXX XXXX XXXX XXXXnterest rate. Since Ive had the car XXXX of 2023 there has only been {$77.00} paid towards the principal of the loan. Almost $ XXXX has all went to interest alone. I cant get information on refinancing, lowering rates. Or any actual help paying the car off. Only threatening and hounding phone calls daily from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NJ

Complaint narrative:
I am disputing charge-off account ( XXXX ) being reported by Experian, which were included in my Chapter { { 7/13 } } bankruptcy and should no longer be reporting as open, delinquent, or with an outstanding balance. 

These accounts are currently reporting as charged off with derogatory remarks and past-due balances, even though they were legally XXXX through bankruptcy. Under the Fair Credit Reporting Act ( FCRA ) and XXXX Bankruptcy XXXX, this is inaccurate and misleading. 

According to : FCRA 607 ( b ), data furnishers must report information with maximum possible accuracy FCRA 611, consumers have the right to dispute incomplete or unverifiable items FCRA 602 ( A ) ensures fair and equitable reporting for all consumers And under the Bankruptcy Abuse Prevention and Consumer Protection Act ( BAPCPA ) : Creditors must cease all collection activities and update tradelines to reflect bankruptcy inclusion Reporting a balance, charge-off status, or delinquency after discharge violates the automatic stay and discharge injunction The following issues exist : The account still reports a past-due balance or charge-off, despite being XXXX The account does not indicate Included in Bankruptcy or reflect a {$0.00} balance The reporting status is misleading, incomplete, or inaccurate across XXXX or more 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 2025-07-29 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: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of identity death in accordance with section 605B of the fair credit report that 15 U.S.C1681C 2. I am requesting an immediate removal of the items that I am disputing on 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 explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to formally notify you that I am a victim of identity death in accordance with section 605B of the fair credit report that 15 U.S.C1681C 2. I am requesting an immediate removal of the items that I am disputing on 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 2025-07-29 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: NJ

Complaint narrative:
I am disputing charge-off account ( XXXX ) being reported by Equifax, which were included in my XXXX { { XX/XX/year> } } bankruptcy and should no longer be reporting as open, delinquent, or with an outstanding balance. 

These accounts are currently reporting as charged off with derogatory remarks and past-due balances, even though they were legally XXXX through bankruptcy. Under the Fair Credit Reporting Act ( FCRA ) and U.S. Bankruptcy Code, this is inaccurate and misleading.

According to : FCRA 607 ( b ), data furnishers must report information with maximum possible accuracy FCRA 611, consumers have the right to dispute incomplete or unverifiable items FCRA 602 ( A ) ensures fair and equitable reporting for all consumers And under the Bankruptcy Abuse Prevention and Consumer Protection Act ( BAPCPA ) : Creditors must cease all collection activities and update tradelines to reflect bankruptcy inclusion Reporting a balance, charge-off status, or delinquency after discharge violates the automatic stay and discharge injunction The following issues exist : The account still reports a past-due balance or charge-off, despite being XXXX The account does not indicate Included in Bankruptcy or reflect a {$0.00} balance The reporting status is misleading, incomplete, or inaccurate across XXXX or more bureaus

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY CREDIT REPORT, AS IT DOES NOT ACCURATELY REFLECT MY CONSISTENT PAYMENT HISTORY. I HAVE MAINTAINED A RECORD OF TIMELY PAYMENTS, AND THIS NEGATIVE ENTRY IS CLEARLY A MISTAKE THAT UNJUSTLY HARMS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD BE REPORTED ACCURATELY. UNDER THE TRUTH IN LENDING ACT ( TILA ), 15 U.S. CODE 1666 ( B ), THIS IS CONSIDERED A BILLING ERROR, AND I RESPECTFULLY URGE YOU TO CONDUCT A PROMPT INVESTIGATION INTO THIS DISCREPANCY AND UPDATE THE ACCOUNT TO REFLECT ITS CORRECT STATUS WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I applied for an American Express credit card that advertised a {$300.00} welcome bonus after spending {$1000.00} in the XXXX XXXX XXXX. I was aware of the statement that some applicants XXXX not be eligible for the bonus and that, if ineligible, I would be notified before my application was processed so I could choose to withdraw. 

I carefully checked during the application process and did not receive any notice of ineligibility before submitting. If I had been notified, I would not have continued with the application. After being approved, I completed the required {$1000.00} spending within the XXXX timeframe. 

When I contacted American Express to ask about the welcome bonus, I was told it was declined because I was not eligible or had not enrolled but I was never told this before approval, which contradicts their own terms. I believe this is misleading and unfair, as I met the spending requirement and was never properly informed that I would not receive the bonus. 

I am requesting that American Express honor the promised bonus or be held accountable for not following their stated disclosure policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am filing a complaint against both TransUnion and Equifax for reporting inaccurate, incomplete, and conflicting information regarding an auto loan account from XXXX XXXX XXXX ( Account # XXXXXXXX XXXX ) XXXX XXXX on my credit report. 
TransUnion is reporting the account as Open and Charged-Off, which is contradictory. It also fails to show the full payment history and does not reflect that the account is in dispute. 
Equifax is reporting the account as Closed and Charged-Off, with late payments reported in XXXX, XXXX, and XX/XX/year>, but provides no evidence or validation for those delinquencies. 

This violates my rights under the Fair Credit Reporting Act ( FCRA ), which requires that all reported information be accurate, complete, and verifiable. Both bureaus are providing inconsistent and damaging data that harms my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$560.00} XXXX XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$10000.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$940.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$230.00} INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Late payment entries appear on my report that I believe are inaccurate. Under 15 USC 1681e ( b ) and 15 USC 1681i, my report must contain only information that is accurate, complete, and verifiable. I am requesting that these late payment entries be verified, and if they can not be confirmed, they should be corrected or removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TN

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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TX

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-07-29 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: NJ

Complaint narrative:
I am filing a formal complaint regarding XXXX inaccurate and harmful charge-off accounts that continue to be reported on my credit file by XXXX Card, XXXX XXXX XXXX XXXX XXXX and XXXX across all XXXX  XXXX credit bureaus ( XXXX, Experian, and XXXX  XXXX. 

Despite previous disputes, these accounts are reporting information that is factually inconsistent, incomplete, and in violation of the Fair Credit Reporting Act ( FCRA ) 607 ( b ) and 611, as well as Metro 2 compliance guidelines. 

Account # XXXX : XXXX XXXX XXXX charge-off with a {$4100.00} balance while simultaneously showing past due balancesthis is inaccurate per XXXX XXXX XXXX 
Equifax reflects XXXX XXXX late payments, while TransUnion shows the account closed in 2020 with no recent activity, which is inconsistent and misleading. 
The account was not properly updated after being disputedFCRA 623 ( a ) ( 3 ) violation. 

Account # XXXX : XXXX  XXXX Auto Loan Reporting a {$430.00} balance as past due even after being closed and charged off, which violates FCRA accuracy standards and XXXX XXXX. 
Monthly late payments are reported after the closed/charge-off date, indicating possible re-aging of debt. 
Payment status and timeline do not align across bureaus, suggesting incorrect or incomplete data updates. 

Account # XXXX : XXXX / XXXX This charge-off account shows XXXX months of XXXX lates post-closure, which is excessive and not possible if charged off in 2020. 
Remarks vary across bureaus : Dispute resolved consumer disagrees vs. XXXX disputes after resolution, which raises concerns of poor dispute handling and system-wide inconsistency.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
Request for Removal of Fraudulent Accounts Due to Identity Theft I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$460.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action. 
Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
Request for Removal of Fraudulent Accounts Due to Identity Theft I am writing to formally request the removal of fraudulent accounts from my credit report, which I believe were opened as a result of identity theft. I have already taken the necessary steps to report the identity theft to the appropriate authorities and to mitigate any further damage to my credit. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Identity Theft Consumer Protection Act, 15 U.S.C. 1681c-2, I am requesting that you investigate and remove the following fraudulent accounts from my credit file : XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXXXXXX {$460.00} INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts were opened without my authorization. I have attached a completed Identity Theft Report, which is required under the FCRA. As per the law, I am requesting that you block these fraudulent accounts from my credit report and provide me with a written confirmation of this action. 
Please find the following documentation attached to support my claim : A copy of my government-issued ID. 
A copy of my Social Security card. 
A copy of the Identity Theft Report. 
Any other supporting documents, as needed. 
Under the FCRA, you are required to complete your investigation within 30 days of receiving this request. I respectfully ask that you notify me of your findings in writing and update my credit report accordingly. 
If you require any additional information to proceed with this request, please do not hesitate to contact me. I look forward to your prompt attention to this matter and the removal of these fraudulent accounts.

Company response to consumer: Closed with non-monetary relief