vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-10 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: MD

Complaint narrative:
I am a victim of identity theft and have enclosed a copy of my police report/identity theft report, a copy of my drivers license and social security card as proof of my identity, plus proof of my current address. I am writing to request that you place an immediate block on the following fraudulent information in my credit file within XXXX  days upon receipt of this correspondence. 

I have recently obtained a copy of my credit file and the information does not relate to any transactions that I have made ; therefore, I am requesting that these accounts be completely removed and blocked from my credit file. This is not a regular dispute I have filed a complaint with the Federal Trade Commission to document being a victim of identity theft. 

Please block this fraudulent information per sections 605B, 615 ( f ) and 623 ( a ) ( 6 ) of the Fair Credit Reporting Act. I am requesting that the following fraudulent accounts be deleted and blocked from my credit file : XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX/XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
I have submitted proof to Experian that XXXX XXXX is listed as closed on my XXXX credit report and that being that the account status doesnt match Experian is reporting in accurate information. I have requested the account be removed and Experian refuses to update my credit report and continue to report inaccurate information. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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 am filing a compiaint against Equifax for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. Here are the account marked inaccurate. 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 2025-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I firmly demand the immediate removal of this unauthorized account from my credit report, unless verifiable evidence is provided without delay to substantiate its legitimacy. Under the Fair Credit Reporting Act ( FCRA ) and other applicable consumer protection laws, it is the responsibility of credit reporting agencies and data furnishers to ensure that only accurate, authorized, and fully verified information is reported on a consumer 's credit file. 

The presence of unauthorized transactions or fraudulent accounts on my credit report is a direct violation of my financial security and credit integrity. These errors not only undermine my creditworthiness but also expose me to potential identity theft and financial harm. If these transactions can not be verified with clear, documented evidence, they must be permanently deleted from my record immediately to prevent further damage to my financial standing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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 file a formal complaint against Equifax for violating the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 5 ) ( B ).

I previously disputed the following XXXX accounts on my credit report : XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$210.00} XXXX/XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Balance : {$560.00} These accounts were found to be inaccurate and subsequently removed from my credit report. However, I have recently discovered that these accounts have been reinserted without any notification from Equifax within the required five-business-day period, as mandated by FCRA Section 611 ( a ) ( 5 ) ( B ). 
This failure to notify me of the reinsertion is a clear violation of the law and has caused undue stress, as well as potential harm to my credit standing. 
I have already made attempts to resolve this issue directly with Equifax, but have not received a satisfactory response. Therefore, I am requesting your assistance in ensuring that Equifax complies with FCRA regulations and corrects this issue immediately. 
Attached are copies of all relevant documentation, including my initial dispute letter, confirmation of the accounts removal, and my recent dispute regarding the unauthorized reinsertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/year> Eastern Account System XXXX XXXX XXXX XXXX, CT XXXX Re : Dispute of Outdated Information - Request for Investigation and Removal To Whom It May Concern : I am writing to formally dispute outdated information that your company, Eastern Account System, has reported to the credit bureaus. My name is XXXX XXXX XXXX, and my contact information is listed above. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681c ( a ), most negative information must be removed from a consumer 's credit report after 7 years. Furthermore, under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable investigation into my dispute and verify that the information you are reporting is accurate, complete, and up-to-date.

I hereby request that you thoroughly investigate this matter and remove any outdated negative information from my credit report. If you find that the information is indeed outdated, you are obligated under 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( E ) to promptly notify all credit bureaus to which you report and request that they delete this information from my credit report.

Should you determine that the information is somehow still accurate and timely, please provide me with all relevant documentation supporting your conclusion within 30 days of receiving this letter, as mandated by 15 U.S.C. 1681i ( a ) ( 6 ) ( A ).

Be advised that under 15 U.S.C. 1681n and 1681o, you may be liable for damages, including punitive damages for willful non-compliance, if you fail to comply with the FCRA 's requirements.

Additionally, I remind you of your obligations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., to cease communication about any disputed debt and to provide validation of the debt upon request. 

Thank you for your prompt attention to this matter. If you require any further information or have any questions, please contact me at XXXX or XXXX. 

Sincerely, XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
I filed a complaint with Equifax regarding XXXX XXXX XXXX. ** ( CFPB file number XXXX ) The results I received were that XXXX XXXX XXXX XXXX not currently reporting on my credit profile. That information is inaccurate because they recently just reported information on XX/XX/year>, and that's also after a cease-and-desist letter until the debt has been validated sent to XXXX XXXX XXXX from myself XXXX It also has been over the allotted XXXX days required for a response to the debt validation letter sent to XXXX XXXX XXXX XXXXFair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) If a consumer disputes a debt in writing within XXXX  days, the collector must stop all collection efforts ( including reporting to credit bureaus ) until they provide proper verification. 
If they report the debt without verifying it first, they have violated this section of the FDCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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:
In accordance with the fair credit Reporting XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. All late payments should be remove 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 non-monetary relief
Consumer complaint received 2025-03-10 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: FL

Complaint narrative:
In accordance with the fair credit Reporting XXXX  account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may nok treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. All late payments should be remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-10 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: HI

Complaint narrative:
I am writing to formally dispute the reporting of a charge-off on my credit report for the account with XXXX XXXX  XXXXI believe that this account has been reported inaccurately, and I am requesting that it be removed from my credit report. 
The reason for my dispute is that the charge-off should be removed because the debt was paid in full, it was settled, there was a reporting error. I have attached the following supporting documents to substantiate my request : I respectfully request that the charge-off entry be reviewed, and if found to be inaccurate or in error, be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NV

Complaint narrative:
I am formally disputing the inaccurate personal information and the reported late payment on my credit report, as these errors are having a direct and detrimental impact on my financial well-being and creditworthiness. Credit reports play a crucial role in determining a consumer 's ability to obtain loans, secure housing, and access financial opportunities, and any inaccuracies can cause significant, unnecessary hardship. 

Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies have a legal obligation to ensure that all information included in a consumers credit file is accurate, complete, and verifiable. When incorrect personal details or erroneous late payments appear on a credit report, it creates a misrepresentation of a consumers financial history, potentially leading to higher interest rates, loan denials, and other adverse financial consequences. 

Because of these errors, my credit profile does not accurately reflect my actual payment history or financial responsibility. This is unacceptable, and I am exercising my rights under the FCRA to request an immediate investigation into these inaccuracies. The errors outlined below must be promptly corrected or permanently removed, as failure to do so would constitute a violation of 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 explanation
Consumer complaint received 2025-03-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX inaccurate reporting of my auto loan and the fraudulent balance of {$3600.00} that they have placed on my credit report. 

Key Issues With XXXX Reporting : 1. Incorrect Balance Reporting My vehicle was declared a total loss in XX/XX/year>, and my insurance company paid XXXX to cover the loan balance in full. 
XXXX delayed processing the claim until XX/XX/year> and then wrongfully reversed a XXXX insurance payment, leaving an inaccurate balance of {$3600.00} on my credit report. 
2. Illegal Late Payment Reporting Despite the loan being fully covered by insurance, XXXX continued reporting late payments from XX/XX/year> to XXXX XXXX should never have been reported. 
Under FCRA 1681s-2, furnishers must report only accurate information. These late payments are incorrect and must be removed. 
3. Failure to Provide Proper Verification XXXX has failed to provide an accurate breakdown of how they calculated the {$3600.00} balance. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to receive proper verification, which they have not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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: NJ

Complaint narrative:
I am submitting this complaint regarding XXXX XXXX XXXX inaccurate reporting of my auto loan and the fraudulent balance of {$3600.00} that they have placed on my credit report. 

Key Issues With XXXX Reporting : 1. Incorrect Balance Reporting My vehicle was declared a total loss in XX/XX/year>, and my insurance company paid XXXX to cover the loan balance in full. 
XXXX delayed processing the claim until XX/XX/year> and then wrongfully reversed a XXXX insurance payment, leaving an inaccurate balance of {$3600.00} on my credit report. 
2. Illegal Late Payment Reporting Despite the loan being fully covered by insurance, XXXX continued reporting late payments from XX/XX/year> to XXXX XXXX should never have been reported. 
Under FCRA 1681s-2, furnishers must report only accurate information. These late payments are incorrect and must be removed. 
3. Failure to Provide Proper Verification XXXX has failed to provide an accurate breakdown of how they calculated the {$3600.00} balance. 
Under FCRA 1681i ( a ) ( 1 ) ( A ), I have the right to receive proper verification, which they have not provided.

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 2025-03-10 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: WA

Complaint narrative:
I booked a hotel for my partner through Amex XXXX  on XX/XX/year>2024 with the amount of {$410.00}. I opened a dispute because I think the amount is not correct on XX/XX/XXXX. After a few days I realized the amount is correct so I cancelled the dispute. Both my partner and I went on my trip and was in another country from XX/XX/XXXX and XX/XX/XXXX. However, I got a notification saying that the trip was cancelled three days before the trip. Both my partner and I were in a different time zones. I tried both online chats and calling and sitting in waiting lines with customer support for hours trying to rebook the hotel, since we actually needed to stay at a place in the upcoming trip. 

It was a vain to rebook and we had to book a different hotel through different platforms. 

It was a pain working with Amex and there was no clear update of the dispute process. Amex also cancelled the trip without my consent and there was no easy way to contact them in a non time consuming way. We spent 4 to 5 hours trying to contact customer support and did not get the issue resolved. Amex did no follow ups or reimbursement.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-10 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:
This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, data Breach and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX, XXXX : Account number : XXXX XXXX XXXX : Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX  XXXX : Account number : XXXX, XXXX XXXX : Account number : XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX DATA BREACH AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.

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 2025-03-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I was given a {$500.00} Amex gift card. Every retailer I have tried to use it at, both in person and online, declines the card. I have tried XXXX at this point, and all include retailers that say they accept Amex cards.

Company response to consumer: Closed with explanation