vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
On multiple occasions, I have disputed a specific account that was inaccurate and unverifiable. Equifax previously deleted this account from my credit file, yet they have reinserted it again without providing me with the required written notice within 5 business days, as required under the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 5 ) ( B ).

This is now the third time I have had to address this same matter with Equifax. The account in question has been permanently deleted by the other two major credit bureaus, and I have official deletion confirmations to attach as proof.

By reinserting the account without proper certification from the furnisher and without sending me timely written notice, Equifax is in direct violation of federal law. This repeated noncompliance has caused harm to my credit reputation, interfered with my ability to obtain credit, and created ongoing emotional and financial distress.

I am requesting that the CFPB require Equifax to : 1.Permanently delete and block this account from my credit report within 4 business days 2.Provide a written explanation for their repeated failure to comply with FCRA reinsertion rules.

3.Implement procedures to prevent further unlawful reinsertions of previously deleted information.

4.Investigate and take appropriate enforcement action for these repeated violations, including compensation for damages caused by Equifax negligence and noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: TX

Complaint narrative:
I take my credit seriously, and I'm really concerned about the mistakes on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information on my credit report as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: GA

Complaint narrative:
I am filing this complaint to formally request immediate action against Equifax and Experian for failing to remove inaccurate and unverified charge-off and collection accounts from my credit report. I have previously disputed these accounts, yet Equifax continues to report them without proper investigation or compliance with federal law. 

Under the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code s 1681s-2 ( b ), Equifax and Experian have a legal obligation to investigate and ensure the accuracy of any information it furnishes. These accounts remain on my report without proper validation. 

I have no signed contracts or verified agreements with the reporting creditors. I have filed an FTC Identity Theft Report, and despite this, Equifax and Experian have not taken appropriate corrective action. This is a clear violation of the FCRA and my consumer rights. 

I demand that Equifax and Experian provide : A signed contract proving I authorized each account Full charge-off/payment history 1099-C form or cancellation confirmation IRS reason code Metro 2 compliance documentation Audit trail of all tradeline updates Name and license of the furnisher Proof the account was not re-aged Ownership and assignment documents If securitized : Trust name, PSA, UCC-1, and chain of title Method of verification with full supporting documentation Proof of authority to report this information TransUnion has failed to provide the above or delete the accounts, as required when information can not be fully validated. Under FCRA, continued reporting of unverifiable or inaccurate information is not only a violation, but opens them to statutory damages and enforcement. 
I request immediate removal and permanent deletion of all disputed accounts from my Equifax and Experian credit reports. Continued non-compliance should result in regulatory enforcement and penalties. I also request that Equifax and Experian cease and desist all reporting of these accounts until full and lawful validation is provided. 

Thank you for investigating this matter and holding Equifax and Experian accountable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: MA

Complaint narrative:
On XX/XX/2025 i have as the company to resolve this debt in the amount of XXXX I also asked for a debt validation claim which I didnt receive. And Iam asking that this debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I paid {$500.00} for a prepaid debit with amex and it barely works at any retail or online store. It was a gift for my girlfriends father and he is unable to use it at over 60 % of places he tries.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MA

Complaint narrative:
PLEASE REMOVE THESE FRAUDULENT ACCOUNTS : XXXX Financial Ser Open Date XX/XX/XXXX Balance {$18000.00} XXXX XXXX Open Date XX/XX/XXXX Balance {$3200.00} XXXX  XXXX  A Date Assigned XX/XX/XXXX Original Balance {$2500.00} XXXX Date Assigned XX/XX/XXXX Original Balance {$1400.00} PLEASE UPDATE AND CORRECT THIS LATE PAYMENT ACCOUNTS REPORTING : XXXX Open Date XX/XX/XXXX Balance {$18000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: NY

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section 604. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section 604. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00}

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 2025-08-06 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: GA

Complaint narrative:
I am a victim of identity theft. On or around XX/XX/year>, I discovered multiple unauthorized credit inquiries and accounts on my credit report, including a fraudulent XXXX  account and inquiries from XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, and others. I did not authorize or apply for these accounts or credit checks. Despite filing a formal FTC Identity Theft Report ( Report # XXXX ) and notifying the credit bureaus, the XXXX account has reappeared on my credit report, and the unauthorized inquiries remain. This violates my rights under the Fair Credit Reporting Act ( FCRA ), specifically : 15 U.S.C. 1681c-2 : Requires credit bureaus to block fraudulent information within 4 business days after receiving proper identity theft documentation. 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : Prohibits reinsertion of previously deleted fraudulent items without written notice and re-verification. 15 U.S.C. 1681b ( c ) : Prohibits credit inquiries without a permissible purpose or written authorization. I am demanding immediate and permanent removal of the XXXX account and all unauthorized inquiries. These errors are causing me emotional distress, reputational harm, and are obstructing my ability to access legitimate credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: KEYCORP
State: OH

Complaint narrative:
I need XXXX XXXX  to provide the following for the two closed accounts : XXXX XXXX A list and dates from XXXX  to present of ANY electronic funds transfers to ANY account including but not limited to : XXXX XXXX  - provide account number and any other information about the account XXXX XXXX XXXXXXXX - provide account number and any other information about the account XXXX - provide account number and any other information about the account Any XXXX XXXX  Account - provide account number and any other information about the account Any XXXX XXXX  Account - provide account number and any other information about the account ANY Credit card - provide account numbers and any other information about the accountS ) XXXX XXXX XXXX XXXX XXXX XXXXXXXX LoaXXXX XXXX XXXX - any international XXXX accounts? 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX Any Sweep activity? 
Transfers to XXXX XXXX XXXX and XXXX and XXXX : who is the owner of these accounts? XXXX XXXX? 
What does 'Online transfer from XXXX XXXX mean? 
Any transfers to international XXXX ( XXXX XXXX XXXX XXXX )? details needed Web ID XXXX For all of the above : Provide Date of transfer ( I need XXXX  to present ), description of what it was ( example : XXXX XXXX XXXX XXXX ), and amount

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. I am requesting an investigation into inaccurate and potentially unverifiable information being reported on my credit file. Under 1681i, the credit bureaus are obligated to conduct a reasonable investigation and remove or correct any item that can not be verified. I respectfully request the immediate deletion of all accounts that fail to meet these legal requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I had a car repo. I request information from XXXX XXXX about the sale of the car. I was sent a letter from XXXX. The car have been sold. XXXX XXXX did not change the balance of the debt. I disputed my TransUnion credit file pertaining the debt. I uploaded the letter as proof of new balance. TransUnion did not change it. Which made it hard to purchase another car because of amount of balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: PA

Complaint narrative:
Hi there, I need your assistance with some accounts that have shown up on my credit report. I didnt create or approve them, and I wasnt notified when they were added. In line with USC 1681g, Im requesting that they be removed within the next 15 days. Ive included documents that explain my situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I am submitting this complaint regarding an ongoing issue with an American Express ( Amex ) prepaid card. Despite the card being activated and properly funded, it has been consistently declined at multiple well-known online retailersat least 10 to date.

I have contacted American Express customer service several times, but the responses have been unhelpful. No representative has been able to explain why the card is being declined, and no resolution has been offered.

The card is marketed as usable for online purchases, yet it is not functioning as expected. I believe this may be a broader issue of misrepresentation or a failure to disclose limitations associated with the prepaid product.

I am requesting CFPB 's assistance in investigating this matter and ensuring that American Express provides a clear explanation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AL

Complaint narrative:
I am filing a formal complaint against Equifax for illegally reinserting a previously deleted XXXX XXXX XXXX account onto my credit report without the required notice under XXXX U.S.C. XXXX ( a ) ( XXXX ) ( B ) ( ii ). This account was removed from my Equifax report for over XXXX years and suddenly reappeared around XX/XX/XXXX as this was previously proven that the debt failed to be verified that it belonged to me. I never received a reinsertion notice within XXXX business days, which is a standalone FCRA violation. 

In addition to the illegal reinsertion, the account is reporting inaccurately and misleadingly : Equifax reports the last payment date as XX/XX/XXXX but lists monthly charge-offs through XXXX XXXX no activity since XXXX. 

The payment history is blank from XX/XX/XXXX to XX/XX/XXXX, and then suddenly reports charge-offs from XXXX to XXXX, falsely creating the appearance of ongoing delinquency. 

The Date of First Delinquency ( DOFD ) is missing or suppressed, violating FCRA XXXX ( a ) ( XXXX ) and indicating potential re-aging. 

I have disputed this multiple times and Equifax continues to verify the data without reasonably investigating the legal and factual inconsistencies. This violates FCRA XXXX ( a ) ( XXXX ). 

Equifax is relying solely on the furnishers claims without independent verification, contrary to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ). 

This reinsertion is harming my credit score and preventing me from being approved for any credit products that pull Equifax. It has now made Equifax my lowest-scoring bureau, despite previously being my strongest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: AR

Complaint narrative:
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 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXX XXXX  account ending in XXXX, which had a charge-off balance of {$2600.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/year>, after your investigation affirmed that the information was unverifiable. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: NC

Complaint narrative:
I am writing to formally notify you of the deletion of the XXXX XXXX  account ending in XXXX, which had a charge-off balance of {$2600.00}, from my XXXX credit report following a dispute I filed. The removal was completed on XX/XX/year>, after your investigation affirmed that the information was unverifiable. 

According to the Fair Credit Reporting Act ( FCRA ), specifically Section 605, if an account is deemed unverifiable and is removed from one credit reporting agency, it should similarly be deleted from all consumer reporting agencies, including yours. As the XXXX report no longer lists this account, I urge you to follow suit and eliminate the unverifiable charge-off from my credit report within the next 30 days.

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