vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
There are collection accounts on my credit report that I believe contain incorrect information, and under my rights provided by 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate report ; therefore, I request a review of these entries, and if they can not be verified as accurate, they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed accounts to be blocked and deleted from the company Transunion LLC : UNAUTHORIZED INQUIRIES : 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

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 2025-08-14 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/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 2025-08-14 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: TX

Complaint narrative:
I am filing this complaint against Experian for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The following accounts in question are : XXXX XXXX XXXX and XXXX XXXX XXXX with lates reported as 30 days late in XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX. This late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on this account. The furnisher misreported my payment history to Experian, yet Experian continues to publish this inaccurate information on my credit file. I previously disputed this inaccuracies with Experian under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. 
Experian failed to conduct a proper investigation and continues to report this unverifiable late payment. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Experians reinvestigation process failed to identify or correct this reporting error. This false late payment entry has caused significant damage to my creditworthiness, emotional distress, and financial harm, as it has negatively impacted my credit score and ability to obtain favorable credit terms.

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 2025-08-14 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have XXXX XXXX accounts with two debit cards ( one ending in XXXX and one ending in XXXX ). XXXX inexplicably closed and " premanently locked '' my accounts out of the blue claiming some terms and condition violation that they can not explain. 

I have called THREE times to simply ask for the ability to withdrawl my current balance to my linked checking, or have a check sent for my four-digit balance in each account, since they say the accounts are permanently locked. However, they REFUSE to provide my funds back, explain WHEN I may get my funds back, or HOW I get my funds back. Anytime I try to get specifics for MY MONEY that is locked up, they just give me some XXXX XXXX in XXXX  * but * also telling me there is not a set process to return my money! 

They can close my accounts as is their right, but they are stealing my money and not providing any process to return my funds. Also, they are shady becuase this is an American Express card that is run by XXXX and funds are held with XXXX XXXX  ( all this at the XXXX webiste ), yet my first complaint to XXXX they claimed they didn't know anything about this card.. 

close my account ( s ) and send my balance back to me by check. or lift the online restriction so i can transfer the remaining funds to my linked checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
The companies have failed to comply with the Fair Credit Reporting Act by continuing to report fraudulent accounts and unauthorized inquiries despite receiving my FTC Identity Theft Report, government-issued ID, proof of address, and full documentation. This is a direct violation of : FCRA 605B Failure to block identity theftrelated data within 4 business days.

FCRA 611 Failure to conduct a proper reinvestigation and remove unverifiable data.

FCRA 604 Retaining inquiries with no permissible purpose.

18 U.S.C. 1028A Effectively aiding in aggravated identity theft by knowingly reporting fraudulent information. 

This ongoing misconduct is causing continued financial harm, reputational damage, and emotional distress. I am demanding immediate permanent deletion of all fraudulent accounts and inquiries in question, blocking of any associated identity theft data, and issuance of a corrected credit report with written confirmation. If the companies can not produce documented proof of my authorization for each account or inquiry, they must remove them immediately. 

XXXX. XXXX XXXX  XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX / XXXX Account Number : XXXX XXXX. XXXX Account 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 2025-08-14 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: LA

Complaint narrative:
Final Notice of Noncompliance Identity Theft & Reinsertion Violations To Whom It May Concern, This is my final notice regarding your continued noncompliance with federal consumer protection laws following the submission of my FTC Identity Theft Report ( # XXXX ), signed affidavit, and associated disputes. Despite these efforts, the fraudulent accounts listed below have not been deleted, and in some cases, were reinserted without following the legal requirements set forth under federal law. 

Fraudulent Accounts : XXXX  XXXX {$6800.00} XXXX {$2200.00} XXXX {$1100.00} XXXX  XXXX XXXX XXXX {$6400.00} Violations of Federal Law : FCRA 605B : CRAs must block identity theft-related information within 4 business days upon receipt of a valid identity theft report. 
FCRA 611 : Consumers have the right to dispute information and receive a response within 30 days.

FCRA 611 ( a ) ( 5 ) ( B ) : Reinserted data must be verified and written notice must be provided to the consumer. 
FCRA 623 ( a ) ( 6 ) : Furnishers may not report information they know to be fraudulent after notice of identity theft.

FCRA 623 ( a ) ( 5 ) : Requires accurate reporting of dates of delinquency on charged-off accounts. 
FDCPA 807 : Prohibits the use of false, deceptive, or misleading representation in debt collection.

FDCPA 809 : Requires debt collectors to cease collection of disputed debt until verification is provided.

TILA 1637 : Prohibits furnishing account disclosures to anyone other than the actual obligor. 
FACTA Amendments to FCRA : Mandates fraud alerts, block of identity theft data, and consumer protections post-data breach. 
Final Resolution Demanded : I demand the permanent deletion and suppression of all fraudulent, unverifiable, and reinserted data within 10 business days. Failure to comply will result in the initiation of legal action, including damages for willful and negligent noncompliance under FCRA 616 and 617. This includes complaints filed with the CFPB, FTC, State Attorney General, and potential civil litigation. 

You are hereby instructed to cease all collection efforts, verify deletion with all bureaus, and confirm in writing. Your immediate attention to this matter is legally required. 
All documents are attached : Identification, Bill with current address, Affidavit, FTC report, SS card. I am hereby requesting no Stall letters. 

Sincerely, XXXX XXXX XXXX : XX/XX/year> 2025

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

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 non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Upstart Holdings, Inc.
State: NY

Complaint narrative:
On closed charges off accounts they keep changing the payment history after every dispute seems to me they are doing it to retaliate Im Trying to fix my credit and I get a free points added they change payment history on the closed charged off account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MI

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for failing to correct multiple inaccuracies on my credit report despite repeated disputes and submission of supporting documentation. This is now the second month I have attempted to resolve these issues directly with the credit bureaus without success. 

Both disputes described below were submitted directly by me, XXXX XXXX, not by any third party. I clearly stated this in every letter I have sent, and I have included proper documents with each submission. Despite this, the credit bureaus have wrongfully claimed that an unauthorized third party was involved. 

Part 1 Inaccurate Personal Information and Collections I previously disputed incorrect personal information and two collection accounts that continue to appear on my credit report despite my disputes. The disputed items are : Incorrect previous addresses : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XX/XX/XXXX ) Collection accounts : XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Under the Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, I requested that the bureaus provide evidence that these items were verified, including the name and business address of the person contacted, the date of contact, the method of communication, and whether my Social Security number, address, or date of birth were provided. None of this information has been provided. 

Part 2 Inaccurate Payment History ( Billing Error 15 U.S.C. 1666 ) Thirty-five days ago, I submitted a separate billing error dispute regarding inaccurate late payment reporting on my account with XXXX XXXX  XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX. The late payment entries remain despite the fact that my dispute was based on : Failure to accurately reflect a payment or credit issued Computation or accounting errors by the creditor Lack of proper advance notice before assessing late fees or reporting late payments The credit bureaus have not provided documentary evidence that the late payments are accurate. They have also failed to provide the name and contact information of the person or entity that verified the payment history, the date of contact, and the method of verification used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of Birth : XX/XX/XXXX SSN : Last 4 digits XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Formal Dispute Under the Fair Credit Reporting Act Request for Permanent Deletion I am writing to formally dispute the reporting of the following account appearing on my XXXX  credit file : Caine & Weiner Account # XXXX This account contains information that is inaccurate, incomplete, and unverifiable, in direct violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ). Under FCRA 602 ( A ), 607 ( B ), and 611, you are required to ensure maximum possible accuracy and to delete any information that can not be verified as correct. Because this account fails to meet those standards, I am demanding that you immediately : 1. Conduct a reasonable investigation under FCRA 611 ( a ) ( 1 ) ( A ). 2. Permanently delete this account from my credit file if you can not fully verify it. 3. Provide me with an updated credit report reflecting this deletion. If XXXX  continues to report unverifiable or inaccurate data, I will escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the State Attorney Generals Office, and I will seek legal relief for non-compliance. This letter is being sent via Certified Mail to ensure receipt. You have 30 days from the date of receipt to comply, as required by federal law. Sincerely, XXXX XXXX XXXX XXXX XXXX  Enclosures : Copy of government-issued ID, proof of address, copy of credit report with disputed item highlighted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
In XXXX, we began the process of refinancing our home loan with our current mortgage company, Freedom Mortgage. We were initially informed of the documents and information required and promptly provided everything requested. 

However, over the next eight weeks, we experienced repeated and drawn-out delays. Approximately every 68 days, we would receive a call requesting additional documentationeach time being told it would be the final request. Yet the requests continued to come, prolonging the process unnecessarily. Each time, we complied immediately and submitted the requested materials. 

We were only seeking to borrow {$25000.00} more than our existing loan balance while still maintaining over {$200000.00} in equity in our home. This was an FHA loan, and given the small amount we were requesting in comparison to our equity, the repeated and excessive requests for documentation were unreasonable. 

Due to the constant delays, lack of clear communication, and the manner in which our application was handled, we felt we were being treated unfair and unethical. Ultimately, we made the decision to cancel the refinance application.

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 2025-08-14 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: TX

Complaint narrative:
I need you to look into the mistakes on my credit report immediately. I'm deeply concerned about these errors and they've been causing me stress and it's also impacting my ability to secure new credit. They are mixed, fraudulent information that Ive never authorized nor benefited from. Please make sure all my information is 100 % correct. This situation is unfair and my rights are being violated which is absolutely distressing. Do anything necessary to remove them from my report now!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

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 2025-08-14 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: NY

Complaint narrative:
I am submitting this complaint personally and in my own words. I have not authorized any company to submit this on my behalf beyond helping me type and send it. This issue directly affects me. I am submitting this formal follow-up complaint against Transunion for ongoing and willful violations of the Fair Credit Reporting Act ( FCRA ) regarding identity theft-related accounts that remain on my credit file despite the submission of an FTC Identity Theft Report ( Report # XXXX ) and supporting evidence. On XX/XX/2025, I demanded deletion of two fraudulent accountsXXXX XXXX XXXXXXXX and XXXX XXXX  XXXXwhich are not mine and were opened without my authorization. Transunion has failed to acknowledge my letter, conduct a reasonable reinvestigation, or block the identity theft-related information as required by FCRA 1681i ( a ) ( 1 ) and 1681c-2. This continued inaction is causing ongoing financial harm, emotional distress, and reputational damage.

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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

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 non-monetary relief
Consumer complaint received 2025-08-14 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: IL

Complaint narrative:
XXXX  XXXX did not due an investigation of my report. My account shows that it has been charged off each month from XXXX of XXXX  until XXXX of XXXX this report states that it was charged off and still reporting late. This must be removed for all inaccuracies.

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 2025-08-14 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: IL

Complaint narrative:
XXXX  XXXX did not due an investigation of my report. My account shows that it has been charged off each month from XXXX of XXXX  until XXXX of XXXX this report states that it was charged off and still reporting late. This must be removed for all inaccuracies.

Company response to consumer: Closed with non-monetary relief