vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-20 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: PA

Complaint narrative:
To Whom It May Concern : This letter is a formal dispute of inaccurate and misleading information you are reporting to the credit bureaus concerning my closed account with XXXX XXXX XXXX According to my recent credit report, this account is listed as closed yet continues to reflect a recent late payment, which is both factually inaccurate and legally impermissible. 

Once an account is closedespecially if it was closed in good standingno new late payments should be reported. Reporting a delinquency after the account is closed is not only misleading and damaging to my credit profile, but also may constitute a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), which requires furnishers of credit data to report only complete and accurate information.

Under my rights provided by the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting the following : 1. An immediate investigation into this inaccurate reporting ; 2. Correction or deletion of the false late payment from all credit bureaus to which you have reported ; 3. Written confirmation of the investigation results and actions taken, within 30 days as required by law. 

Please be advised that failure to correct or remove inaccurate information will prompt me to file complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Pennsylvania Attorney Generals Office. I also reserve the right to pursue civil action under 15 U.S.C. 1681n and 1681o, which provide for statutory damages, actual damages, and attorneys fees for willful and negligent noncompliance with the FCRA. 

I have enclosed a copy of my credit report showing the disputed account, and I am prepared to provide any additional supporting documentation as needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: OH

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 response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Am asking for help from the credit bureaus to remove all negatives from my credit report : TRANSUNION : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX EXPERIAN : XXXX XXXX ( XXXX ) XXXX XXXXPLEASE REMOVE LATE PAYMENT FROM XXXX AS UNDER THE FAIR CREDIT ACT IS ILLEGAL TO REPORT LATE PAYMENTS ON MY REPORT.UNDER SECTION C 1666B

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 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Am asking for help from the credit bureaus to remove all negatives from my credit report : TRANSUNION : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX EXPERIAN : XXXX XXXX ( XXXX ) XXXX XXXXPLEASE REMOVE LATE PAYMENT FROM XXXX AS UNDER THE FAIR CREDIT ACT IS ILLEGAL TO REPORT LATE PAYMENTS ON MY REPORT.UNDER SECTION C 1666B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX, XXXX, and XXXX regarding inaccurate information being reported on my consumer credit report by XXXX XXXX and XXXX  for GM FINANCIAL - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the accounts as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: SC

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
my credit report account showing late and i have not been late

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I am filing this complaint to formally dispute an invalid rental-related debt that was sent to collections by a property management company ( XXXX ). 

On XXXX XXXX XXXX, I terminated my agreement with XXXX for my rental property at XXXX XXXX XXXX, XXXXXXXX XXXX due to poor service and non existent communication. Despite my clear written termination, XXXX authorized a {$440.00} repair on XXXX XXXX XXXX, without notifying or consulting me. 

The repair was ineffective and unnecessary, as my new property manager resolved the same issue on XX/XX/scrub>XXXX XXXX XXXX for {$170.00}. I provided written documentation to XXXX disputing the charge. They refused to remove it and forwarded it to a collection agency ( TSI ).

I received a phone call from TSI, and I responded by sending a formal written dispute and cease communication request under the FDCPA. I have not received any debt validation, and to my knowledge, the debt has not yet been reported to any credit bureau. 

This debt is invalid, unverified, and being pursued in bad faith. I am requesting CFPB assistance to : Permanently close and withdraw the collection Ensure no credit reporting occurs Enforce my rights under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Elevate Recoveries, LLC
State: TX

Complaint narrative:
ELEVATE RECOVERIES LLC, address located at XXXX, TX XXXX, phone number ( XXXX ) XXXX to include dates opened XXXX2024 for the amount of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Subject : Dispute Regarding Social Security Breach I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in 2024. 

Account Name : XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXX ( Original Creditor : XXXXXXXX XXXX  ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : Unverified account Account Name : XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : Unverified account Account Name : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account

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 2025-05-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I am requesting an immediate federal and state-level investigation into American Express National Bank for willfully violating federal financial laws and obstructing my ability to close my business banking account. Amex has engaged in a deliberate pattern of misconduct that constitutes unfair, deceptive, and abusive acts or practices ( UDAAP ) under federal law, and may also violate state-level banking regulations, privacy laws, and digital access laws. 

Key Issues and Allegations : 1. Refusal to Close Business Checking Account Upon Lawful Request I submitted multiple written and verbal requests to close my business checking account ending in XXXX, and to cancel the associated business debit card ending in XXXX. 

Despite clear communication, Amex has refused to process the closure, offering no legitimate reason or written denial, and leaving the account open against my will. 

2. Unlawful Denial of Access to Online Banking Portal Amex has blocked or disabled my access to the Amex Business Checking online portal, preventing me from viewing statements, managing transactions, or initiating closure myself. 

This is a violation of federal and state consumer financial access rights, particularly as I am the verified account owner. 

3. Exposure to Financial Harm, Fraud Risk, and Unlawful Fees- Leaving the account active creates : - Risk of unauthorized use of the business debit card - Possible monthly service charges or NSF fees - Tax implications from reporting an open business account I no longer use 4. Potential Data Misuse and Privacy Law Violations - By continuing to hold and process data on a closed business, Amex may be violating : - The Gramm-Leach-Bliley Act ( GLBA ) for failure to give consumers control over their financial information - Florida Information Protection Act ( FIPA ) for retaining personal data after lawful closure request - Electronic Fund Transfer Act ( EFTA ) regarding control over electronic banking access Laws and Regulatory Violations : - 12 U.S.C. 5531 UDAAP violations ( Dodd-Frank Title X ) - Gramm-Leach-Bliley Act ( 15 U.S.C. 6801 ) Privacy and data control - Electronic Fund Transfer Act ( 15 U.S.C. 1693 ) Interference with account access- Florida Information Protection Act ( F.S. 501.171 ) Improper retention of financial data - Florida Deceptive and Unfair Trade Practices Act ( FDUTPA ) Failure to honor lawful requests for closure

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
In XX/XX/year>, I used my USAA credit card for {$160.00} purchase. I made the purchase to keep the USAA card active since it had been months since I had used this card. I waited for the bill to arrive so I could mail my check for {$160.00} to USAA. Instead of receiving the bill, I received an email announcing my payment was overdue. I called USAA to inquire why I had not received the bill and was told " I don't know. It shows your preference is to receive the bills by postal mail ''. I requested the USAA credit card be cancelled immediately because I was tired of USAA 's incompetence. My request was granted. In XXXX, I received a bill for {$180.00} which included their late fee and interest. I mailed a check for {$160.00}. My check was cashed by USAA. On XX/XX/year>XXXX  I received a bill for {$17.00} from USAA for " late fee and interest ''. I called USAA and requested these charges be removed because I should not pay for USAA 's mistake. The rep XXXX said she could remove all but XXXX cents and transferred me to " member resolution '' rep XXXX. I recounted the whole situation again with XXXX. He stated he could not remove the XXXX cents. Since I have been very fortunate to never experience anything like this situation with any of my other credit card vendors, I have to assume this is a USAA specific practice. If the bill was not mailed to me, how can I be accountable for their late fees and interest charges? I find it very telling that the only bills USAA managed to get delivered were the bills with their extra charges.

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 2025-05-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
They are reporting inaccurate information On my report and Im getting denied other Loans and wrong credit scores

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 2025-05-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit reporting act the list of inquiries have violated my rights. 
15 u.s.c. section 502A states I have the right to privacy. 

please delete inquiries below they are fraudulent and were not authorized by me. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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:
Subject : Dispute Regarding Social Security Breach Dear Sir/Madam, I am writing to formally dispute the inaccuracies related to my Social Security account due to the breach that occurred in XXXX  Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Reason : I don't recognize this account Account Name : XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Reason : I don't recognize this account Account Name : XXXX  Account Number : XXXXXXXX XXXX XXXX Reason : I don't recognize this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litgation for defamation of character ) discover bank balance {$530.00}, XXXX XXXX balance {$300.00}, XXXX XXXX XXXX balance {$0.00}, XXXXXXXX XXXX balance {$2000.00}, XXXX XXXX XXXX balance {$2000.00}. XXXX XXXX XXXX balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: IL

Complaint narrative:
i have not supplied proof under the doctrine of estoppel by the silence engelhardt. v gravens ( mo ) 281 SW715.719 presume that no proof the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these account before i seek litgation for defamation of character ) discover bank balance {$530.00}, XXXX XXXX balance {$300.00}, XXXX XXXX XXXX balance {$0.00}, XXXXXXXX XXXX balance {$2000.00}, XXXX XXXX XXXX balance {$2000.00}. XXXX XXXX XXXX balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Central Research Inc
State: TX

Complaint narrative:
My name is XXXX XXXX, I am writing to address the reporting of XXXX XXXX late payments on my credit report by XXXX XXXX XXXX XXXX XXXX ). Upon investigation, I discovered that XXXX sent notifications to an outdated email address XXXX ( attached below ), my email address on the XXXX XXXX is XXXX ( attached below ). I also did not receive any mailed notices regarding the transfer of my account or the impending XXXX reporting. 

If XXXX claims a notice was sent, I am requesting proof of that, including when it was mailed and how. If it wasnt sent with certified mail, tracking, or some type of verifiable method, theres no way to confirm I ever received it. Without that notice, I was denied the chance to take action before the XXXX which may be a violation of both federal and Texas state law.

This lack of proper notification appears to violate : * * * 15 U.S. Code 1681s2 ( a ) ( 7 ) : * * Requires financial institutions to provide written notice to consumers before or within 30 days after furnishing negative information to a consumer reporting agency. 

* * * 34 C.F.R. 682.411 : * * Mandates that lenders send multiple written notices to borrowers at various stages of delinquency, including specific information about repayment options and consequences of default.

If CRI can not provide such evidence, I request that ALL XXXX  payment entries be removed from my credit report due to non-compliance with the aforementioned regulations. 

Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-20 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: TN

Complaint narrative:
To : Consumer Financial Protection Bureau XXXX : Dispute of XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX Dear Consumer Financial Protection Bureau, I am filing this formal complaint and dispute against TransUnion and Experian  for inaccurate and inconsistent credit reporting that is negatively impacting my creditworthiness, obstructing my ability to secure housing, and causing ongoing financial harm. My name is XXXX XXXX XXXX and I am a U.S. consumer requesting your agencys intervention to enforce fair reporting standards under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Upon review of my XXXX credit report from XXXX, the following discrepancies have come to light : TransUnion reports a score of XXXX, with XXXX delinquencies, XXXX derogatory account, and a balance of {$40000.00}. 

Experian reports a score of XXXX, with XXXX delinquency and XXXX derogatory, and a balance of {$26000.00}. 

XXXX reports a score of XXXX, with only XXXX delinquencies, XXXX derogatory account, and a balance of just {$1100.00}. 


These reporting discrepancies are unjustified and inaccurate, especially considering that XXXX 's data is the most accurate reflection of my actual payment history and financial position. The gross inconsistenciessuch as a nearly {$40000.00} difference in reported balances and delinquencies between bureausindicate a failure to maintain complete and accurate consumer information, in violation of 15 U.S.C. 1681e ( b ). 

As a result, I have been unfairly denied access to credit and housing opportunities, including the inability to secure a home mortgage based on these flawed scores. The inconsistencies create an artificial risk profile that does not reflect my actual behavior as a consumer. 

I hereby request that your office initiate an investigation into : The source and accuracy of the data reported by TransUnion and Experian. 

Why their reporting fails to match the verified and more accurate Equifax data. 

XXXX enforcement requiring the bureaus to correct or remove erroneous data and reflect the most accurate profile across all agencies. 
Transunion is reporting XXXX but XXXX  isn't Experian is reporting XXXX and XXXX is not Please confirm receipt of this complaint and advise me of the next steps. I am prepared to provide additional documentation as needed, including account history, credit bureau records, and identification. 

Thank you for your attention to this matter. I trust that your office will act to enforce compliance and protect my rights under the FCRA. 

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 explanation