vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Complaint Against XXXX XXXX Credit Report Distortion and Financial Fraud Following a detailed personal review of my credit history and all payments related to my auto loan with XXXX XXXX, I have discovered that the company deliberately concealed the fact of illegal withholding of funds and manipulated my credit report to cover up fraudulent actions. 
Facts : - Monthly payment amount : {$280.00} - Total payments made before early payoff : XXXX payments - Total amount paid in monthly payments : {$280.00} XXXX = {$14000.00} - On XX/XX/XXXX, I made a full early payoff of the remaining loan : {$5500.00} - Total amount paid for the loan : {$14000.00} + {$5500.00} = {$20000.00} According to the Truth in Lending Disclosure, the total interest ( finance charge ) for the full XXXX loan term should have been {$5600.00}, which equals approximately {$78.00} per month when evenly distributed. 
I paid off the loan 21 months early. Therefore, XXXX XXXX had no legal right to charge interest for those remaining months. 
Calculation of Unlawful Charges : - {$78.00} 21 months = approximately {$1600.00} This amount should not have been included in the final payoff, but it was covertly added by XXXX XXXX. I was not informed of this, the amount was not itemized, and the company misappropriated it through deceptive means. 
Additionally : XXXX XXXX deliberately misrepresented information in the credit report. Instead of stating that the loan was paid in full early on XX/XX/XXXX ( {$5500.00} ), they falsely reported late payments for XXXX and XX/XX/XXXX. The report did not reflect the early payoff until XXXX. Even then, the payoff amount was not disclosed, and the account was marked closed without specifying the full repayment or the date. 
This behavior strongly suggests an intentional effort to conceal the unlawful retention of {$1600.00}, as accurate credit reporting would have exposed the inflated payoff amount and the theft of unearned interest. 
I Request : 1. Immediate removal of false late payment entries for XXXX and XX/XX/XXXX. 
XXXX. Update the XXXX XXXX account record to reflect : - Full repayment on XX/XX/XXXX : {$5500.00} - Status : Paid in Full / No Delinquencies XXXX. Investigate XXXX XXXX  for : - Intentional data misrepresentation - Unlawful withholding of approximately {$1600.00} - Violation of fair credit reporting laws This complaint is an extension of my previous report and provides final confirmation of the fraudulent nature of XXXX XXXX  actions, committed with intent and concealed through deceptive methods.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I am a victim of identity theft and have discovered multiple unauthorized accounts and inquiries on my credit report. These items are not mine and I request that they be removed in accordance with Section 605B of the Fair Credit Reporting Act ( FCRA ).

Attached are a list of the disputed items and a copy of my Identity Theft Report filed with the Federal Trade Commission ( FTC ). I ask that you investigate these items and remove them from my credit file as soon as possible. 

Please confirm in writing once the corrections have been made. Thank you for your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
Pursuant to 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I request that you provide a complete copy of the original signed consumer contract with a wetink signaturea Verifiable, Validated Proofthat you claim to possess for the above-referenced accounts. Copies of copies are insufficient by law.

Under FCRA 609 ( a ) ( 1 ) ( A ), you are legally obligated to verify any accounts before reporting it on my credit file. If you are unable to provide such proof within 30 calendar days of receipt of this letter, you must immediately delete the accounts from all credit reports.

FCRA 623 ( a ) ( 1 ) ( A ) requires furnishers to promptly remove unverifiable information. Under 617 ( 15 U.S.C. 1681o ), negligent noncompliance exposes entities to actual damages, attorneys fees, and costs ; willful noncompliance under 1681n exposes entities to statutory/punitive damages ( {>= $1,000,000} + punitive ). 

Case law strongly supports my position : - Negligent/willful failures to remove unverifiable or inaccurate information have resulted in XXXX dollar awards ( e.g., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
- CFPB enforcement actions support similar resultsmost recently, a $ XXXX settlement following procedural failures. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I am disputing multiple unauthorized hard inquiries that were made to my credit without my consent or written authorization. Under the Fair Credit Reporting Act ( FCRA ) 604 ( a ) ( 2 ), a hard inquiry must have my direct permission.

These same inquiries were already removed by XXXX after I filed a dispute with them. However, Equifax and TransUnion have refused to remove the same entries even though they are clearly unverified and unauthorized. This is my first time disputing them with Equifax and TransUnion. 

I am requesting that these inquiries be removed immediately unless they can provide proper documentation that proves I authorized them. If not, they must be deleted under FCRA 611.

I have uploaded supporting screenshots showing : The inquiries that were removed by XXXX. 

The same inquiries still appearing on my Equifax and TransUnion reports. 

This situation is negatively affecting my credit standing, and I am requesting urgent correction and removal of these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CA

Complaint narrative:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXXXXXX XXXX XXXXXXXX Balance {$8800.00}

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 2025-06-26 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: GA

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/year> XXXX XXXX XXXX Account XXXX : XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
I do not recognize these credit inquiries. I don't know where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: OH

Complaint narrative:
I do not recognize these credit inquiries. I don't know where they came from. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Additionally, the information provided on some items is unknown to me and has been removed from other bureaus, raising doubts about its accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
XXXX  keeps removing my credit card account with Nordstrom Bank. Every other month its removed. This only happens on XXXX. Nordstrom stated that they report it every month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: WA

Complaint narrative:
Between XXXX XXXX  and XX/XX/year>XXXX  I had been trying to apply for an American express welcome bonus using a referral link. I did not have any American Express Gold cards at this time. However, when I was applying online at the time of registration, I saw a pop-up that for some reason I was intelligible to receive the XXXX sign on bonus. I didn't understand why and called the customer service line to clarify why this was and if there was a way I could still receive the bonus as I was not interested in opening a new credit card without the welcome offer. Before submitting my application I called to ask for clarification. 

I made it very clear to the agent I was seeing this popup stating that I was ineligible. The agent told me multiple times during the call that I would still receive the bonus as long as I did not have an Amex gold card prior to this. I confirmed AT LEAST three times that I would receive the bonus even if I continued with this pop-up appearing. I confirmed repeatedly to the point where the agent got noticeably agitated with my inquiry and raised his voice at me. Because it got to that point, I felt comfortable proceeding and submitting my application and I trusted the agent and what they had insisted. I had also asked for this statement in writing, but they said they don't do that. Since the call was being recorded, I felt it was okay to place my trust in a reputable company and that they would honor their word. 

However once I had made the minimum spend in the given deadline, I did not receive the points I had been promised by the agent. I called the company again thinking they would honor their employee 's statement. On XX/XX/XXXX I received a response saying after review they said they were sorry but the agent had made a mistake and they would handle it internally, but they would not award me the points. 

I felt wronged but there was not much I could do as the company had reviewed it. It had always left me feeling that this was an unjust outcome as the only reason for me opening the card at that time was the welcome offer and the employee even yelled it at me. I didn't know what actions I could take until I stumbled upon the CFPB a little over 2 years later as an option. 

I was a victim of unprofessional misinformed employees from American Express who gave me false confidence that I would receive the full value of the XXXX point offer which equates to around {$2000.00} dollars in monetary value as I met the conditions he had mentioned during the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: TX

Complaint narrative:
Please remove the following fraudulent accounts from my credit report 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 XXXXloan Inquires to remove 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 XX/XX/XXXX Please Remove these address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Names : XXXX XXXX, XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone numbers : XXXX ; Employment Information : XXXX XXXX XXXX XXXX XXXX hard inquries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Theft Incident : Fraudulent Auto Loan or Lease What company or bank opened the fraudulent account? 
XXXX XXXX XXXX SO If you know, tell us when the fraudulent charges began. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Fraudulent Auto Loan or Lease What company or bank opened the fraudulent account? 
XXXX  If you know, tell us when the fraudulent charges began. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Fraudulent Auto Loan or Lease What company or bank opened the fraudulent account? 
XXXX If you know, tell us when the fraudulent charges began. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? 
XXXX XXXX If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Theft Incident : Credit Card Opened by the Thief What company or bank issued the credit card? 
XXXX XXXX If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Please remove all of the above from my report. 
I have also included a copy of my FTC report as well. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I disputed an auto loan account from XXXX XXXX, which was charged off years ago but is still reporting an active balance. The creditor has failed to provide a copy of the original signed contract, payment breakdown, or legal right to report the debt under FCRA. Despite multiple disputes, it remains on my report without proper verification, in violation of FCRA 609 and 611. I am requesting its immediate deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-26 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: FL

Complaint narrative:
I disputed an auto loan account from XXXX XXXX, which was charged off years ago but is still reporting an active balance. The creditor has failed to provide a copy of the original signed contract, payment breakdown, or legal right to report the debt under FCRA. Despite multiple disputes, it remains on my report without proper verification, in violation of FCRA 609 and 611. I am requesting its immediate deletion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-26 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: CO

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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