vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am disputing inaccurate and misleading reporting regarding XXXX  account XXXX I am suffering from obtaining any credit I am going through hardship because of the inaccuracies. 
XXXX sold my account to XXXX XXXX XXXX, yet they continue to report a past-due balance of {$160.00} instead of the required {$0.00} balance. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to provide accurate and complete information.

Multiple consecutive months marked as Charge-Off after the initial charge-off date.

An incorrect Date of First Delinquency ( DOFD ), which could unlawfully extend the reporting period beyond the FCRA 605 ( c ) 7-year limit. 
I mailed dispute and correction request letters to both Transunion, Equifax, Experian and XXXX requesting immediate reinvestigation and correction. I also requested proof of original ownership, the signed contract, and documentation showing the exact date the account was sold.

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 2025-08-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you in a state where you do not live or did not sign for the debt
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
In XXXX, I was sued in Missouri by Kohn Law Firm, S.C., on behalf of XXXX XXXX XXXX XXXX XXXX, over a charged-off XXXX AAdvantage account ending in XXXX. I neither resided in Missouri nor opened the account there. Filing suit in an improper venue violated FDCPA 1692i ( a ) ( 2 ). I had previously disputed this account with the credit bureaus approximately two years earlier, but XXXX failed to provide any lawful validation. During litigation, my attorney submitted a validation request. XXXX and Kohn responded with recycled, legally insufficient documents : no signed agreement, no itemized account history, and no verified chain of titleonly a generic Bill of Sale and a template affidavit from a XXXX employee with no personal knowledge. Despite the lack of documentation, I was pressured to settle under threat of a judgment and wage garnishment. In order to pay the demanded {$24000.00}, I was forced to refinance my home, resulting in long-term financial impact. On XX/XX/XXXX, the case was dismissed with prejudice in XXXX XXXX, Illinois, closing it permanently. After dismissal, XXXX began reporting a false {$450.00} balance to XXXX XXXX XXXX XXXX, with fabricated last payment and status update dates in July 2025. This is illegal re-aging, in violation of : FCRA 1681s-2 ( b ) FCRA 623 ( a ) ( 1 ) ( A ) Metro 2 guidelines The tradeline should be updated to show {$0.00} balance, settled, or be deleted entirely. The continued false reporting has caused credit denials, emotional distress, and ongoing financial harm. These practices mirror violations found in : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX Note : A prior CFPB complaint was withdrawn while the lawsuit was pending. This version reflects the cases final resolution and all violations in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to formally submit a complaint regarding the handling of inaccurate information on my credit report by the credit reporting agencies, despite my repeated efforts in dispute these errors. Despite multiple disputes filed with the bureau, they have failed to take appropriate action to update or delete these inaccuracies as required by law. This negligence has persisted despite my lawful right, under the Fair Credit Reporting Act ( FCRA ), I5 U.S.C. 1681, to have my credit report reflect only accurate and verifiable information. The FCRA mandates that credit reporting agencies ensure the accuracy of information ( 15 U.S.C.le ( b ) ) and conduct a reasonable investigation of disputes raised by consumers ( 15 U.S.C. 1681 ). The accounts in question, listed below, contain incorrect information that I have repeatedly disputed : XXXX XXXX XXXX {$1700.00} XX/XX/XXXX REPORTING ON TRANS UNION XXXX XXXX XXXX {$0.00} {$3500.00} XX/XX/XXXX XX/XX/XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) XXXX XXXX XXXX XXXX {$4500.00} XX/XX/XXXX REPORTIN ON XXXX  AND TRANS UNION XXXX XXXX XXXX ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION XXXX XXXX XXXX REPORTING ON ALL BUREAU ( XXXX, XXXX, AND TRANS UNION ) Despite multiple attempts to have these inaccuracies addressed, the bureaus have not conducted a reasonable investigation or made the required updates, violating my rights under 15 U.S.C. 1681e ( b ) and 168li of the FCRA. This disregard for my rights as a consumer is impacting my financial standing, and I am requesting immediate corrective action.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681i, and with my FTC Identity Theft Report, I dispute this fraudulent account. Remove it immediately. Account : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

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 XXXX. 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 XXXX XXXX. 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 2025-08-05 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: TX

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

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 2025-08-05 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: VA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-08-05 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: IN

Complaint narrative:
Pursuant to the Fair Credit Reporting Act, including 15U.S.C.1681c2 which mandates that identitytheft information be blocked within four business days XXXX 15U.S.C.1681b which limits the furnishing of consumer reports to permissible purposes XXXX and 15U.S.C.1681i requiring consumer reporting agencies to promptly reinvestigate and delete disputed information XXXX I request that you remove these fraudulent inquiries immediately. Furnishers are likewise obligated under 15U.S.C.1681s2 to correct inaccurate data XXXX and failure to comply exposes agencies and furnishers to civil liability under 15U.S.C.1681n1681XXXX XXXX XXXX. Please act in accordance with these statutory requirements and confirm removal of the unauthorized inquiries. 
15U.S.C.1681c2 ( FCRA605B ) Requires consumer reporting agencies to block the reporting of information identified as resulting from identity theft not later than XXXX business days after receiving proof of identity, a copy of the identitytheft report, and the consumers statement XXXX This is the statutory authority for requesting prompt removal of fraudulent inquiries. 

15U.S.C.1681b ( FCRA604 ) Allows a consumer report to be furnished only for specific permissible purposes, such as pursuant to a court order or the consumers own instructions XXXX Unauthorized inquiries made without a permissible purpose violate this section. 

15U.S.C.1681i ( FCRA611 ) Requires consumer reporting agencies to reinvestigate disputed information and either verify, correct, or delete it, generally within 30 days XXXX ; they must also notify the furnisher of the dispute within 5 business days XXXX 

15U.S.C.1681s2 ( FCRA623 ) Places a duty on furnishers of information to provide accurate information to consumer reporting agencies and forbids furnishing information that the furnisher knows or has reasonable cause to believe is inaccurate XXXX 

15U.S.C.1681n ( FCRA616 ) Establishes civil liability for willful noncompliance with the FCRA ; violators are liable for actual or statutory damages plus punitive damages XXXX 

15U.S.C.1681o ( FCRA617 ) Provides civil liability for negligent noncompliance, requiring payment of actual damages and attorneys fees

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 2025-08-05 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 disputing inaccurate and misleading reporting regarding XXXX  account XXXX I am suffering from obtaining any credit I am going through hardship because of the inaccuracies. 
XXXX sold my account to XXXX XXXX XXXX, yet they continue to report a past-due balance of {$160.00} instead of the required {$0.00} balance. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to provide accurate and complete information.

Multiple consecutive months marked as Charge-Off after the initial charge-off date.

An incorrect Date of First Delinquency ( DOFD ), which could unlawfully extend the reporting period beyond the FCRA 605 ( c ) 7-year limit. 
I mailed dispute and correction request letters to both Transunion, Equifax, Experian and XXXX requesting immediate reinvestigation and correction. I also requested proof of original ownership, the signed contract, and documentation showing the exact date the account was sold.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: GA

Complaint narrative:
I am disputing inaccurate and misleading reporting regarding XXXX  account XXXX I am suffering from obtaining any credit I am going through hardship because of the inaccuracies. 
XXXX sold my account to XXXX XXXX XXXX, yet they continue to report a past-due balance of {$160.00} instead of the required {$0.00} balance. This violates the Fair Credit Reporting Act ( FCRA ) 607 ( b ), which requires furnishers to provide accurate and complete information.

Multiple consecutive months marked as Charge-Off after the initial charge-off date.

An incorrect Date of First Delinquency ( DOFD ), which could unlawfully extend the reporting period beyond the FCRA 605 ( c ) 7-year limit. 
I mailed dispute and correction request letters to both Transunion, Equifax, Experian and XXXX requesting immediate reinvestigation and correction. I also requested proof of original ownership, the signed contract, and documentation showing the exact date the account was sold.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
My car was repossessed in the end of the month and recovered on XX/XX/year>. 
My lienholder is reporting the account as a repo to all three credit bureaus and I still have the car in my possession. The lienholder is XXXX. Attached is the proof the car was picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: SC

Complaint narrative:
My car was repossessed in the end of the month and recovered on XX/XX/year>. 
My lienholder is reporting the account as a repo to all three credit bureaus and I still have the car in my possession. The lienholder is XXXX. Attached is the proof the car was picked up.

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 2025-08-05 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: SC

Complaint narrative:
My car was repossessed in the end of the month and recovered on XX/XX/2025. 
My lienholder is reporting the account as a repo to all three credit bureaus and I still have the car in my possession. The lienholder is XXXX. Attached is the proof the car was picked up.

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 2025-08-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Subject : Complaint Against American Express Denied Refund for Booking Error Summary of Issue : On XX/XX/year>, I booked a round-trip flight from XXXX to XXXX for XXXX travelers using XXXX Membership Rewards points * * ( equivalent to {$6500.00} ) through American Express Travel . The travel date was XX/XX/year>. 

Upon arrival at our connecting airport in XXXX XXXX, we were informed by XXXX XXXX that due to a booking glitch by American Express, we could not board our connecting flight. Our checked luggage was already en route to XXXX, leaving us without food, clothing, or medication. We spent over XXXX hours in the airport trying to resolve the issue through calls with XXXX XXXX and American Express agents. 

An American Express agent eventually acknowledged the error and rebooked our travel, charging us an additional {$7500.00} to our American Express card. We were assured that the duplicate charges would be refunded and that any out-of-pocket expenses would be reimbursed. 

Despite these assurances, our dispute was denied, and we have received no compensation. This has resulted in financial harm and emotional distress for my family. 

Resolution Requested : - A full refund of the duplicate charges made on XX/XX/year> - Reimbursement for documented expenses incurred due to the delay Supporting Documentation : - Booking references : # XXXX, # XXXX, # XXXX  - Transaction records I am seeking fair treatment and resolution consistent with consumer protection standards. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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 filing this dispute because I have reviewed my credit report and found inaccurate and misleading information being reported by one or more furnishers. Specifically, the following accounts are showing late payments, charge-offs, or derogatory statuses that I guarantee are incorrect : XXXX XXXX  : Reporting charge-off with a balance of {$9600.00} XXXX XXXX XXXXXXXX : Reporting multiple delinquencies including a 120-day past due status XXXX  XXXX : Reporting 60-day delinquency XXXX XXXXXXXX : Reporting a 30-day delinquency I have attempted to XXXX this directly with the credit bureaus but have not received satisfactory resolution. These accounts are negatively affecting my creditworthiness. I respectfully request that the CFPB ensure a full investigation is conducted under the Fair Credit Reporting Act and that any unverifiable or inaccurate information be permanently removed from my credit file.

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 2025-08-05 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: IL

Complaint narrative:
I am filing this complaint regarding a charge-off reported by EXPERIAN on my credit report. The account was closed and charged off in 2021, but the furnisher continues to update the charge-off every month for over 2 years. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) as it inaccurately re-ages the debt and misrepresents the status. It also may violate the Fair Debt Collection Practices Act ( FDCPA ) as it unfairly harms my credit standing. I request the immediate deletion of this account. This is inaccurate information it is against the law. ACCOUNT INFORMATION BELOW : XXXX XXXX XXXX XXXXXXXX

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 2025-08-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-08-05 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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