vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-16 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: AL

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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: ADP Inc.
State: IL

Complaint narrative:
XXXX said : Heres your updated and finalized version for resubmission to the CFPB ( and optionally the FTC and EEOC ) written in a precise legal tone and incorporating your clarification about unemployment and ATS  harm : Summary for CFPB Resubmission : I am resubmitting this complaint against ADP , LLC for willful violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 609 ( 15 U.S.C. 1681g ), which grants me the legal right to access all information in my consumer file maintained by any Consumer Reporting Agency ( CRA ).

ADP is acting as a CRA under federal law confirmed by their own Summary of Rights under the FCRA and yet they have refused to release my full file. I am no longer employed by any of the companies for whom ADP was processing payroll or HR data, and I submitted proper identifying documentation ( including my government-issued ID and SSN ). 

I have reason to believe that ADP is retaining and/or circulating negative data including Applicant Tracking System ( ATS ) scoring, employer-provided notes, or risk profiling that is materially harming my ability to secure employment. I have been unemployed for more than 12 months, and I believe data in ADPs possession is contributing to my systemic rejection from job opportunities. 

Their response falsely claims they are not a creditor, not a data broker, and not allowed to release information without employer permission. However, that does not exempt them from federal law, nor does it void my rights under the FCRA. Their refusal to disclose this data unless subpoenaed is a direct violation. 

I demand full release of all information in my file, including but not limited to : All employment records and data fields provided by past employers Applicant Tracking System scoring, notes, or evaluation logs Any risk models or scoring systems tied to my identity Internal notes or classification systems used by ADP All third-party data sharing logs I am attaching their written denial, their Terms of Service, and my original complaint. I request this matter be escalated and that ADP be held accountable for withholding damaging data that is impacting my livelihood. 

Please note : I am filing separately with the FTC and EEOC, as ADPs conduct constitutes a cross-agency violation, including blacklisting and reputational suppression of a former worker.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: NV

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 four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX XXXX - Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$68000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/year>, I placed an order totaling {$560.00} on XXXX official website. XXXX tracking showed the package as delivered on XX/XX/XXXX, but I never received the merchandise. I contacted XXXX on XX/XX/XXXX to request a refund or reshipment, but they refused. I then filed a dispute with American Express the same day. 

On XX/XX/XXXX, Amex denied my dispute, citing that the merchant had provided a delivery photo from XXXX. I submitted a written request to reopen the dispute, explaining that the photo does not depict my residence and that I never received the package. 

However, on XX/XX/XXXX, Amex rejected my request to reopen the dispute, again using the exact same reasoning that the XXXX delivery photo proves the item was delivered, and claiming that I failed to provide evidence of non-receipt. 

I want to clearly state : A XXXX delivery scan or photo does not constitute conclusive proof that I personally received the package. Amex rebilled me within XXXX hours without contacting me, investigating further, or reviewing the documentation I had offered to submit. This is an irresponsible and one-sided decision, failing to conduct a fair investigation and clearly siding with the merchant without protecting the rights of the consumer. 

I also want to ask : How can a customer reasonably provide proof that they did not receive a package? The burden of proof should not fall entirely on the consumer, especially when the merchants only evidence is a generic delivery photo that doesnt match my property. 

I am exercising my legal right as a cardholder to dispute a transaction for goods I paid for but never received. According to Amexs own policy, You can dispute a charge if you havent received the goods or services. I respectfully request that CFPB assist in holding American Express accountable for proper dispute handling and ensure that my case is fairly reviewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: GA

Complaint narrative:
I am filing a formal complaint against XXXX XXXX for inaccurate and misleading credit reporting. The credit card account in question has been closed, yet XXXX XXXX continues to report monthly late payments on a {$100.00} balance. 

Under FCRA 623 ( a ) ( 1 ) ( A ), data furnishers must report information that is accurate and complete. Reporting a closed account as late month after month is factually incorrect and punitive.

Additionally, under FCRA 607 ( b ), the credit reporting agencies are also required to ensure the maximum possible accuracy of information. 

I have contacted XXXX XXXX, and they stated that even if I pay the {$100.00} balance, they will not remove or correct the late payments. This is unfair and continues to damage my credit profile. 

I am requesting that XXXX XXXX immediately stop the negative monthly updates, correct or remove the inaccurate reporting, and comply with federal consumer protection laws.

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 2025-07-16 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: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed 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 2025-07-16 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:
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 four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$45000.00} XXXX XXXXXXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$68000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: CA

Complaint narrative:
I am writing to dispute certain negative entries currently listed on my credit report. Despite multiple requests and the submission of all necessary supporting documents, these inaccuracies have not been properly addressed. My repeated follow-ups have been met with little to no action, and the continued presence of these errors has caused significant financial and emotional stress. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to an accurate and verifiable credit report. I am requesting that you take immediate and thorough steps to investigate and correct these items. Failure to resolve them in a timely manner would constitute a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: Sezzle Inc.
State: MD

Complaint narrative:
What happened : I previously had a fraudulent account blocked from my XXXX credit report a {$100.00} charge from Sezzle Inc. On or around XX/XX/year>, XXXX  reinserted the item into my report without notifying me in writing, as required by FCRA Section 611 ( a ) ( 5 ) ( B ).

At the time the account was supposedly opened, my XXXX credit report was locked/frozen, making it impossible for a legitimate new tradeline to be created under my name. I also had an identity theft statement/fraud alert active on my account. 

I did not open this account, never provided my ID or SSN to Sezzle or XXXX, and never received goods or services from this account. 

XXXX  reinserted the item without verifying identity, despite the clear presence of fraud indicators. They also failed to send written reinsertion notice, and they have not provided any verification or documentation upon request. 

I am requesting that this item be permanently removed, and that XXXX comply with its legal obligations under FCRA Sections 605B, 611, and 609.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MD

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. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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: FL

Complaint narrative:
TO LEGAL DEPARTMENTS OF EXPERIAN AND EQUIFAX : This is a formal demand pursuant to FCRA 15 U.S.C. 1681i and 1681n to immediately delete all references to the disputed XXXX XXXX XXXX  XXXX XXXX foreclosure and late payments. Your continued reporting of these items despite active litigation proving their inaccuracy constitutes willful FCRA violations. 

NEW LEGAL DEVELOPMENTS A counterclaim is now pending in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Case # XXXX, Division XXXX, Judge XXXX XXXX XXXX XXXX wherein : I am suing XXXX XXXX XXXX XXXX  XXXX for wrongful foreclosure ; The court has already indicated dismissal of the original foreclosure action ; Continued credit reporting of this matter interferes with judicial process and violates Floridas Litigation Privilege Doctrine. 

VIOLATIONS SUMMARY Issue FCRA Violation Legal Consequence Reporting dismissed foreclosure 1681e ( b ) ( accuracy ) Guimond v. Trans Union ( 9th Cir. 1995 ) Failure to mark " DISPUTED '' 1681i ( c ) Statutory damages $ 1,000/violation Ignoring counterclaim evidence 1681i ( a ) ( 1 ) Punitive damages + business losses DEMANDS Within 5 calendar days of receipt : Delete permanently : Foreclosure ( Case # XXXX ) Late payments ( XXXX XXXX XXXX XXXX XXXX ) Send updated reports confirming deletion ; Notify all third parties who received this information ( FCRA 1681i ( d ) ) ; Preserve all records related to this account for litigation discovery. 

IMMEDIATE LEGAL ACTION WILL FOLLOW NON-COMPLIANCE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
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 four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5200.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} DP OF EDUC - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3600.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$7100.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3000.00} DP OF EDUC - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$5400.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-16 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:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer- provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing on going harm to credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-07-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: AR

Complaint narrative:
On or about XX/XX/year> or contact Mohela about status of the account, and they could not access the account to tell me anything about it. I was advised to reach out to XXXX and other agencies to see if the loan was moved to there. I called Mohela a few times since the above date. I was lastly advised to contact studentaid.gov. I can't access my account to stay in compliance. I feel that there could be fraud involved or someone posing as Mohela. I am trying to stay in compliance, and I can't do it without them being able to access the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-16 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-07-16 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: MO

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief