vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-30 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: GA

Complaint narrative:
detail about inaccurate reporting on my credit m I WOULD LIKE FOR EVERYTHING TO BE DELTED ESPICALLY LATE PAYMENT AND CHARGE OFFS

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 2025-06-30 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: FL

Complaint narrative:
I am reporting the unauthorized use and disclosure of my personal identifying information, including my Social Security number, by one or more companies who have furnished account information to credit reporting agencies without my ongoing consent.

I did not authorize the continued sharing of my data, and this use violates my privacy and identity-based protections under federal law. I am submitting this FTC report to document the misuse of my personal information and to support my request under FCRA 605B to block these unauthorized entries from my credit report. You have 4 days to remove them or i will have to escalate the matter further.

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 2025-06-30 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: IA

Complaint narrative:
On XX/XX/year>, I mailed a written dispute letter to Equifax regarding a collection account being reported by The XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, with a balance of {$1100.00}. 

I stated that I do not recognize this account and have no legal responsibility for it. I requested validation of the debt and asked that the item be removed if it could not be verified. 

As of today, I have not received any verification or documentation, and the account is still on my credit report. This is a violation of the Fair Credit Reporting Act ( FCRA ) Section 611. 

I am now asking the CFPB to assist in having this item either properly verified with supporting documentation, or permanently removed from my credit report. 

I have attached a copy of the original dispute letter I sent by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NV

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 explanation
Consumer complaint received 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
Account Holder : XXXX XXXX XXXX Account Number : XXXX Transaction Date : XX/XX/XXXX Amount Charged : {$16.00} On XX/XX/XXXX, I called American Express customer service to cancel my American Express credit card. During this conversation, the I paid off my remaining debt and the representative assured me no further charges would be added to my account. Based on this confirmation, I proceeded with closing my account. 

However, I have recently discovered that a charge of {$16.00} was applied to my account the day before I canceled the card. I understand that it was a pending charge, but pending charges still show up on a statement at time of closing. The charge was made in XX/XX/XXXX. Furthermore, the amount has now grown to over {$100.00} due to accumulated interest and late fees, which I feel are disproportionate for a charge that was not disclosed to me at the time of closure. I have already called and paid off the remaining debt of {$16.00} but it seems as though no responsibility for their mistake is being taken.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-30 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: AR

Complaint narrative:
I have previously disputed with Experian, Equifax and XXXX  regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information. 
Instructions : In compliance with FCRA, I am requesting that the negative accounts be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: NY

Complaint narrative:
I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX Account number : 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 2025-06-30 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services , 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-30 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: GA

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

1681c-2 ) that you, the Experian Credit Services , 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

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 2025-06-30 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2025 TransUnion Consumer Solutions XXXX. XXXX XXXX, XXXX Request for Deletion of Inaccurate Information Dear Transunion, I am writing to formally request the deletion of inaccurate personal information in my file, specifically incorrect addresses and misspelled or incorrect names that are either not mine or are inaccurate. This incorrect information is causing confusion and must be corrected immediately to reflect the truth. 

Upon reviewing my Transunion file, I have identified the following errors : XXXX. Misspelled/Incorrect Names The following names are either misspelled or not mine and must be removed from my file : XXXX XXXX XXXX XXXX  XXXX Incorrect Addresses Please delete the following addresses that do not belong to me or are inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX. Incorrect Phone Number Please delete the following Phone Numbers that do not belong to me or are inaccurate : ( XXXX ) XXXX ( XXXX ) XXXX XXXX. Incorrect Public Records Please delete the following Public Records that do not belong to me or are inaccurate : XXXX XXXX XXXX GEORGIA XXXX According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that all information in my file is accurate and complete. I request that you promptly investigate this matter and remove the erroneous information. 

Please confirm in writing that these changes have been made and provide me with an updated copy of my file showing the corrections. 

Thank you for your prompt attention to this issue. I look forward to your response and the resolution of this matter. 

Sincerely, 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 2025-06-30 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: TN

Complaint narrative:
I have submitted several dispute letters to XXXX XXXX, and TransUnion regarding inaccuracies on my credit report ; however, the errors remain unresolved. Attached are copies of the correspondence previously sent to each bureau. For your review, I have also included a table summarizing the discrepancies across all three reports. I kindly request your assistance in addressing and correcting these issues as soon as possible.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I sent a letter earlier about the errors and unknown items on my credit report, but I haven't heard back in over 30 days. It feels like my disputes are being ignored, and I'm starting to feel taken advantage of. According to Section 611 ( a ), if these items aren't investigated within 30 days, they should be removed from my credit report immediately. I expect these accounts to be updated right away since the deadline has passed. If that doesn't happen, I might have to consider legal action because this situation has really stressed me out. Plus, my info was affected by the Equifax, Experian, and XXXX  data breach, which makes me worry about my personal data 's security.

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 2025-06-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
RE : DISPUTE OF INACCURATE CHARGE-OFFS REPORTING REQUEST FOR DELETION Dear Credit Reporting Agency , Pursuant to the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681i, I am formally disputing the accuracy and validity of the following charge-off accounts being reported on my credit file. These accounts are inaccurate, unverifiable, and must be deleted immediately in compliance with federal consumer protection laws.

The following accounts are in violation of FCRA Section 609 ( a ), 611 ( a ), 1681b, and 1681s-2, which require data furnishers and credit reporting agencies to maintain accurate, complete, and verifiable consumer data. Failure to properly verify the completeness and accuracy of an account constitutes negligent and/or willful noncompliance with the FCRA. 

Accounts in Dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dispute Summary & Legal Justification : * These charge-offs contain inaccurate and incomplete reporting.

* Under FCRA 1681i, you are required to conduct a reasonable reinvestigation within 30 days. 
* If the furnishers of this information ( XXXX, XXXX ) can not fully validate these accounts with original documentation such as signed contracts and accurate payment history, they must be removed.

* Under FCRA 1681s-2 ( b ), the furnishers must cease reporting unverifiable information.

* 15 U.S.C. 1681b prohibits the reporting of inaccurate information without a permissible purpose.

* According to Metro 2 Compliance, the account must reflect accurate coding such as Compliance Condition Code : XXXX  ( Consumer disputes meets FCRA requirements ) and must be escalated under the Automated Consumer Dispute Verification ( ACDV ) format for proper E-Oscar handling.

Demand for Action : You are required to : 1. Delete all inaccurate charge-off accounts listed above.

2. Provide a revised copy of my credit report reflecting the deletions.

3. Provide the name and contact information of the furnisher ( s ) of this data. 4. Complete your reinvestigation within 30 calendar days from the date of receipt of this notice, per FCRA 611.

Failure to comply with this request may result in complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and possible legal action for noncompliance with federal law. 

Sincerely, [ Your Full Name ]

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 2025-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I was scammed through HuntingtonXXXX. I was made to believe I had taken a second job through XXXX XXXX. This turned out to be people using fake names and had me send money to my account through them in order to use funds to buy " travel packages '' and then review them to earn commission. I thought I would be doubling my profit after making investments into this company. Upon further review, the real XXXX XXXX website states that there are imposters using a phishing version of their actual site. These merchants refuse to refund me even after I submitted a police report and all supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-30 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: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
On XX/XX/year>, a fraudulent hard inquiry was made with my information for a Lowe 's credit card through Synchrony bank. I did not make this inquiry. A few days later, I was alerted to about the suspicious activity, which appeared as a SYNCHBLOWES hard inquiry on my credit report. I attempted to call synchrony bank to report the fraudulent inquiry, but they were unable to find the inquiry in their system. I called XXXX  credit bureau to dispute the inquiry, but they want me to mail a fraudulent activity letter from the bank regarding the inquiry, which the bank is unable to provide. XXXX  then requested me to mail an FTC fraud report instead. The FTC website referred me to CFPB to file a fraud report. My name is XXXX XXXX, phone number XXXX, email at 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 2025-06-30 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: NE

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Account Number XXXX Balance : {$1200.00} Open Date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} Open Date XX/XX/XXXXXXXX XXXX Account Number XXXX Balance : {$150.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$2100.00} Open Date XX/XX/XXXXXXXX XXXX  Account XXXX Balance {$1500.00} Open Date XX/XX/XXXX XXXX Account number XXXX Balance {$1200.00} Open Date XX/XX/XXXX XXXX XXXX Account number XXXX Balance {$620.00} Open Date XX/XX/XXXX 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 non-monetary relief
Consumer complaint received 2025-06-30 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: NE

Complaint narrative:
I am submitting this report due to having unauthorized inquiries appearing on my credit report. I was impacted by the Equifax data breach. Under the FCRA law I demand unauthorized therefore fraudulent accounts which are the following inquiries to be removed from all three credit bureaus. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under my rights I am disputing the above inquiries in 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