vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer. 
After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX - XX/XX/year> - the inquiry was not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Fees charged
Company: TRUIST FINANCIAL CORPORATION
State: CA

Complaint narrative:
I'm the Administrator of my deceased father 's trust account. He fell behind a couple of payments on his HELOC account with Truist Bank since he was deceased during the timeframe they were due ( XXXX and XXXX ). I tried to speak with someone at Truist in XXXX so they could note the account but they would not talk with me until they received legal paperwork. Truist is stating they are unable to locate the legal documents which have been submitted on several different occasions. XXXX late charges were assessed ( each {$22.00} ) that I requested to have waived due to the circumstances. They only agreed to waive one of the fees even after I explained that my father was deceased and therefore should not be held liable for those late charges. I requested to speak with a manager on XX/XX/year> to correct the situation but was informed by Truist that there were none available. As of XX/XX/year> neither late fee has been waived and I have not received confirmation from Truist that they have located the documents in their system.

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 2025-11-04 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: EQUIFAX, INC.
State: NV

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
Consumer complaint received 2025-11-04 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: SC

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an Equifax data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I'm writing to dispute inaccurate personal information that's currently being reported on my credit file. After reviewing my report, I noticed that some of the details under my personal information section including name variation ( s ), addresses, or possibly even employment data are incorrect and not associated with me. 

Let me be clear : I dont live at those addresses, I never used those name variations, and if theres employment or other identifying information listed that doesnt match up with my actual history, then it should have never been there in the first place. This kind of inaccurate personal information is not only misleading, its affecting how my report is matched with accounts, and it opens the door to errors, confusion, or worse identity mix-ups.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Statement balance was due XX/XX/year>XXXX  a Sunday. My Bank sent an electronic payment on XX/XX/year>. American Express said they received payment on XX/XX/year>. So at best it was two days late IF Sunday is included as a legal pay date. On a balance of {$2700.00} I was charged XXXX ) a late fee of {$40.00} XXXX ) interest of {$39.00} and I had Reward Dollars that I earned in the amount of {$31.00} taken away. So in effect for being XXXX ( or XXXX ) day late I was charged a total of {$110.00}. After paying the total balance ( including all fees and interest ) by the due date I was then charged on my next statement an additional interest of $ XXXXWhen I called American Express I thought they said this was a " floating '' interest charge which I didn't understand and I think the employee really didn't understand. 
My question really is can a credit card company charge any interest they want as long as they give it a fancy name? I can't even calculate what a charge of {$110.00} on a balance of {$2700.00} reallya mounts to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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 2025-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I am reporting unauthorized credit inquiries on my credit report, made without my knowledge or consent. I had no dealings with the companies listed and did not authorize access to my credit file, which violates FCRA 1681b. This may be linked to identity theft. Ive filed an FTC Identity Theft Report and request a proper resolution. 
Unauthorized inquiries to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Continental Finance Company, LLC
State: NY

Complaint narrative:
I filed for XXXX  XXXX bankruptcy in XXXX of XXXX. It was then converted to a XXXX  XXXX. It was confirmed in XXXX. Throughout the bankruptcy process ( even before confirmation in XXXX ) Verve ( the card I had ) and XXXX XXXXcontinental finance have repeatedly ignored my emails and phone calls and sent pretty nasty letters weeks later and then re-reported me to the credit bureaus. They are showing this account as open although all of my accounts were closed because of the bankruptcy so at some point they reopened it and balances were all XXXX  out and they continue to report me monthly as " late + an additional 30 days '' and " over the credit limit '' which chips away at my credit score instead of allowing me to rebuild my life. They then report to the credit bureaus that their investigation has found that the information they are reporting is correct and they send me letters calling my disputes and contact with them " frivolous ''. 

I have spent HOURS disputing it every single time only for them to put it back the next month. They have ignored all of my emails and do not allow me to speak with anyone when I call. I usually get hung up on or kept on hold or told that my concerns were passed on to their team and to call back for an update in 48-72 hours only for no one to know what I am talking about when I call back and then am told to just email their back office again which I have done repeatedly.

I have screenshots and pictures of all communications.

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 2025-11-04 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: MI

Complaint narrative:
I am disputing the following accounts as they are not accurately reported and may be violating my rights under the FCRA. I request a thorough investigation to ensure all items are being reported correctly and to remove any inaccurate data that may impact my credit standing.

CHARGED OFF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-11-04 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: DISCOVER BANK
State: MD

Complaint narrative:
I filed two billing disputes with Discover Card for charges by XXXX XXXX XXXX ( Case Numbers XXXX {$450.00} and XXXX {$190.00} ). 
The cruise was fully paid and later canceled by XXXX XXXX without explanation or refund. 
I provided complete documentation, including the cancellation invoice, proof of full payment, and merchant correspondence confirming no refund was issued. 
Despite sending multiple written letters and emails ( on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/year>XXXX  ), Discover has failed to provide any written acknowledgment or determination within the timelines required by the Fair Credit Billing Act ( 15 U.S.C. 1666 ). 
Discovers lack of response violates its obligations under federal law to investigate and notify me in writing within 3090 days. I am requesting CFPB assistance to ensure Discover : Reopens and completes both disputes in good faith ; Issues written findings and refunds for the disputed charges ; Ensures compliance with FCBA procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-04 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: FL

Complaint narrative:
I am filing a complaint because inaccurate and unverified information is being reported on my credit reports by multiple credit reporting agencies ( Experian, Equifax, and TransUnion ). 

Specifically, there are derogatory accounts and numerous inquiries being reported without proper verification or documentation. I submitted written disputes under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) requesting a full reinvestigation and proof of verification. The disputed items include charge-off accounts from XXXX XXXX and several unauthorized credit inquiries. 

I also requested that outdated or incorrect personal information ( names, addresses, phone numbers ) be removed, as this information does not belong to me. To date, I have not received complete verification of the disputed accounts, nor have I been provided with a description of the method used to determine their accuracy, as required by FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

This ongoing situation has caused significant financial turmoil and hardship for me and my family. The inaccurate reporting has affected my creditworthiness, created difficulty in obtaining credit and housing, and has added emotional and financial stress to our household. 

I am requesting that the CFPB ensure the credit bureaus and furnishers comply with all provisions of the FCRA, conduct a proper reinvestigation, and remove or correct any information that can not be verified through documented evidence.

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 2025-11-04 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: AR

Complaint narrative:
Subject : Dispute of Charged-Off Accounts and Inquiries I am writing to dispute the following accounts listed as " charged off '' on my TransUnion credit report. The reported information is inaccurate, and I request a thorough investigation into these items. The details are as follows : Charged-Off Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I kindly request that these entries be reviewed and updated to ensure compliance with the Fair Credit Reporting Act ( FCRA ). I expect these matters to be resolved promptly and accurately.

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 2025-11-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) for violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) in connection with an inaccurate and unauthorized account being reported by XXXX  XXXX XXXX  This account does not belong to me, and I have never opened, authorized, or received any funds, credit, or services related to it. Despite prior disputes and identity verification provided to the credit bureaus, this account continues to appear on my credit report as a charged-off account with derogatory status.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer information. Reporting a fraudulent or inaccurate account violates this requirement. Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes information in their file, the credit bureau is obligated to conduct a lawful and meaningful reinvestigation. However, the credit bureau has failed to properly reinvestigate or verify the authenticity of this account, and no proof of contract, signature, or authorization has been provided to validate the debt. 
This failure to maintain accurate records and conduct a reasonable reinvestigation has caused harm to my credit score, financial reputation, and ability to obtain credit. I am requesting that the CFPB investigate this violation and ensure that all credit bureaus and data furnishers involved : Delete the XXXX XXXX XXXX account immediately from my credit report. 
Provide written verification of the deletion or proof of the accounts validity, including signed applications and original documentation.

Comply fully with 15 U.S.C. 1681e ( b ) and 1681i ( a ) to ensure my consumer rights are protected.

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 2025-11-04 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: OH

Complaint narrative:
I, XXXX XXXX, am submitting this complaint under the Fair Credit Reporting Act ( FCRA ) for violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( a ) in connection with an inaccurate and unauthorized account being reported by XXXX  XXXX XXXX  This account does not belong to me, and I have never opened, authorized, or received any funds, credit, or services related to it. Despite prior disputes and identity verification provided to the credit bureaus, this account continues to appear on my credit report as a charged-off account with derogatory status.

Under 15 U.S.C. 1681e ( b ), credit reporting agencies must follow reasonable procedures to assure the maximum possible accuracy of consumer information. Reporting a fraudulent or inaccurate account violates this requirement. Additionally, under 15 U.S.C. 1681i ( a ), when a consumer disputes information in their file, the credit bureau is obligated to conduct a lawful and meaningful reinvestigation. However, the credit bureau has failed to properly reinvestigate or verify the authenticity of this account, and no proof of contract, signature, or authorization has been provided to validate the debt. 
This failure to maintain accurate records and conduct a reasonable reinvestigation has caused harm to my credit score, financial reputation, and ability to obtain credit. I am requesting that the CFPB investigate this violation and ensure that all credit bureaus and data furnishers involved : Delete the XXXX XXXX XXXX account immediately from my credit report. 
Provide written verification of the deletion or proof of the accounts validity, including signed applications and original documentation.

Comply fully with 15 U.S.C. 1681e ( b ) and 1681i ( a ) to ensure my consumer rights are protected.

Company response to consumer: Closed with non-monetary relief