vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-19 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: VA

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
Description of What Happened : On or around XX/XX/scrub>, 2025, I discovered that American Express was reporting a * charged-off account ( ending in XXXX ) toXX/XX/XXXX. I have never opened or authorized any American Express account in my name and have no record of ever having an account, balance, or credit relationship with American Express. 

I immediately filed a dispute withXX/XX/XXXX explaining that the account did not belong to me and requested an investigation. Despite my submission and documentation, XXXX reinvestigation concluded that the account was verified as belonging to me. This finding is incorrect. I have no contract, payment history, or communication with American Express, and the reported balance of {$16000.00} is fraudulent. 

I believe this is a case of identity theft or inaccurate reporting. I am requesting that this account be removed from my credit report as it is not mine. I have also contacted American Express directly to request documentation proving ownership or authorization of this account, and I intend to provide additional identity theft documentation if necessary.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
In XXXX of XXXX American Express advertised a promotional offer for signing up for the American Express XXXX XXXX XXXX XXXX which included a sign-up bonus of XXXX XXXX after spending XXXX within the first 6 months. I had an American Express XXXX XXXX at the time and called customer service to see if I could upgrade my card and obtain the promotional offer. I was told I was not eligible to just upgrade to the card, but that I would have to apply for the platinum card. No further details were provided to me. I then applied for the card online ( on or around XX/XX/year> ) and the application was initially declined, for which no reason was provided. I was surprised by the decline as I have excellent credit and assumed it was because I had not lifted my fraud alert/credit freeze with all three credit agencies, but just with XXXX because my online search indicated that Experian was the agency that American Express typically checks. I then lifted the freeze from the other two agencies and reapplied. I was notified that my application was approved, paid the {$350.00} annual fee, and a card was issued. I then cancelled my XXXX XXXX. 

When the XXXX SkyMiles were not added to my account after I met the spending requirements within the required timeframe, I inquired with American Express customer service department ( approximately XXXXXXXX XXXX ). They agreed that I had met the spending and time requirements, but I was told that I was not eligible for the sign-up bonus because I had already had an American Express XXXX XXXX XXXX the offer was just for new customers. They informed me that that was why I received that initial rejection of my application. I explained that a reason for the rejection was not provided, but I was told that there was nothing that they could do for me and I would not receive the miles. 

I applied for the card in reliance on this offer and no where along the process was it obvious and clear that current card holders were ( I was ) ineligible for the promotion, including in the advertised offer, when I spoke to the customer service representative to request an upgrade, in the initial rejection, or in the subsequent approval and issuance of the card. It was not until I inquired with customer service when I did not receive the expected miles after paying the {$350.00} annual fee and meeting the requirements of the promotional offer that I learned that information. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
A fraudulent account was opened in my name and falsely reported as a child support obligation by Attorney GeneralXXXX. I have never opened, authorized, or been responsible for this account. It was first reported around XX/XX/XXXX and last updated in XX/XX/XXXX, showing a balance of {$19000.00} and a payment status of 120+ days or more past due. 
This account is erroneously listed on my XXXX  credit report and is causing serious harm to my credit profile and reputation. I have no legal, financial, or personal association with the Office of the Attorney General of XXXX or any child support case. The information being reported is inaccurate, incomplete, and appears to be the result of identity theft or misidentification. 
I have contacted the Attorney Generals office to verify this account, and they confirmed that no valid account or obligation exists under my identity. Therefore, this account should be immediately deleted from my XXXX credit file under my rights per the Fair Credit Reporting Act ( FCRA ) 611 requiring removal of unverifiable or inaccurate information.

Summary of Key Details Creditor Name : Attorney GeneralXXXX Reported Balance : {$19000.00} Reported Since : XX/XX/XXXX Last Updated : XX/XX/XXXX Reported Payment Status : 120+ days past due ( erroneous ) Type of Account : Fraudulent/ Not mine Requested Action : Permanent deletion from credit file NOTICE OF INACCURATE CREDIT REPORTING Please be advised that your agency is reporting a child support debt to national credit bureaus under my name, though no paternity determination, court filing, or administrative order exists. Under 15 U.S.C. 1681s-2 ( b ), you are legally required to investigate and correct this inaccurate information within 30 days of receiving notice from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-19 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company 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 2025-10-19 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: DE

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX XXXX XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am filing this formal complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding WELLS FARGO BANK CARDs failure to properly verify and correct inaccurate information reported on my credit file. Despite my dispute, the creditor allegedly verified the account as accurate with XXXX XXXX XXXX XXXX yet has provided no documentation or evidence to support such verification. This is a clear violation of the Fair Credit Reporting Act ( FCRA ), which requires furnishers of information to conduct a reasonable investigation and maintain only accurate and verifiable information. WELLS FARGO BANK CARD has failed to provide the requested evidentiary documentation or explain the procedures taken to ensure the accuracy of the information they reported. 
WELLS FARGO BANK CAR 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 2025-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-19 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: EQUIFAX, INC.
State: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MD

Complaint narrative:
I was incarcerated from XXXX until XXXX. While incarcerated was made to send personal items home in a package that was addressed to me. The package was taken which included my wallet with contents and cell phone. Immediately after package was taken my cards were used on two accounts totaling over XXXX in transactions. Filed dispute with chime and uploaded documentation stating that I was incarcerated from the dates mentioned above and it was clearly impossible for me to make these transactions. The dispute was still denied. Re-Opened dispute was denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-10-19 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: MI

Complaint narrative:
This XXXX XXXX XXXX XXXX account ( XXXX XXXX XXXX  ) is being reported inaccurately and must be deleted. 

The reporting is inconsistent across credit bureaus : One report shows the account closed in XX/XX/XXXX but also lists a payment in XX/XX/XXXX. 

One bureau reports six late payments, another reports XXXX. 

Status differs ( Paid Charge-off vs. Payment After Charge-off ). 

Creditor name is inconsistent. 

These errors make the account unverifiable and inaccurate, violating FCRA 623 ( a ) ( 1 ) ( A ) ( duty to report accurate information ) and FCRA 611 ( a ) ( duty to reinvestigate disputed information ). 

I am demanding that this XXXX XXXX XXXX XXXX account be deleted from my credit report immediately due to noncompliance with federal reporting standards.

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 2025-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Nationwide Credit & Collection, Inc.
State: CA

Complaint narrative:
I received an email notification that they were attempting to collect a debt however they did not provide a way to respond in written communications. The email only provided a phone number and a message that the email inbox was not monitored and I should not reply. The email did not contain an amount or description of the debt. 

Additionally this debt is from a medical agency that I am still in communications with attempting to dispute the charges. The dispute is ongoing and I have been clear that I want to resolve the matter with them. The last communication I had with the XXXX XXXX, the medical provider, was XX/XX/XXXX requesting a clinician review the medical coding. 

The debt collectors began calling on XX/XX/XXXX & XX/XX/XXXX repeatedly. I did not answer and they sent the aforementioned email on XX/XX/XXXX. 

The company is Nationwide Credit & Collections Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Between XX/XX/XXXX and XX/XX/year>, multiple unauthorized charges appeared on my PayPal Credit account. These include : XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX PAYPAL PURCHASE XXXX XXXX XXXX XXXX XXXXXXXX PURCHASE {XXXX XXXX XXXX XXXX PAYPAL PURCHASE XXXX  XX/XX/XXXX : XXXX PURCHASE {$6.00} XX/XX/XXXX : PAYPAL PURCHASE XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX} I did not authorize these transactions and immediately contacted PayPal through their Resolution Center. I submitted a detailed dispute message and attached documentation. While the company acknowledged my complaint, they have not reversed the charges or confirmed that my account is secure. I am maintaining a breach recovery log and request urgent intervention to resolve this issue and prevent further unauthorized activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-10-19 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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