vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-21 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: MD

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: IN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Re : Request for Investigation and Removal of Inaccurate Information Pursuant to 15 U.S.C. 1681i, 1681b, and 1681n To Whom It May Concern : I am formally disputing the accuracy and permissible purpose of certain information appearing on my consumer report. I request a thorough reinvestigation of the items identified below, as required by 15 U.S.C. 1681i, which mandates prompt and reasonable procedures to verify disputed information. 

Items in Dispute : Inquiry from XXXX XXXX XXXX Reason for Dispute : Not mine/ inaccurate / unverifiable / unauthorized I also request that you verify that the reporting party had a permissible purpose under 15 U.S.C. 1681b to obtain or furnish my consumer information. If no permissible purpose exists, this entry must be deleted immediately. 
In light of the CFPB lawsuit filed against Equifax on XX/XX/year>, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. 
Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail. 

Be advised that furnishing or reporting information that is inaccurate, unverified, or accessed without permissible purpose may constitute a willful or negligent violation of the Fair Credit Reporting Act. Under 15 U.S.C. 1681n, any willful noncompliance is subject to civil liability, statutory damages, and attorneys fees.

Please provide the following : 1. The results of your reinvestigation.

2. The method and documentation used to verify the disputed items.

3. Written confirmation if any information is deleted or corrected.

4. Identification of anyone with whom my disputed data was shared. 



I expect your full response within the legally required timeframe. Please send all correspondence to the address listed above. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
XXXX XXXX Account XXXX XXXX Reported Status : Charge Off Dispute Reason : Inaccurate, incomplete, and unverifiable After reviewing my credit report, I found the following issues : The charge-off status appears inaccurate The balance, dates, or status are not consistent with my records The creditor has not provided verification of the information The reporting may be obsolete, incomplete, and unverifiable The account may contain incorrect dates, affecting reporting timeline Under FCRA XXXX ( b ), the credit bureaus must ensure maximum possible accuracy. Therefore, I request the following action : XXXX. Conduct a full reinvestigation of all this charge off entry XXXX. Require the furnisher to provide complete verification XXXX. Delete the account if it cant be verified XXXX. Provide me with an updated written credit report once completed. 

If the reporting creditor can not verify the charge off- including balance, dates, ownership, and status- this information must be removed from mu credit report. 
I enclose a copy of my identification and proof of address for verification purposes. 
Thank you for your immediate attention. Please complete the reinvestigation within the required XXXXday period and provide your results in writing. 

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 non-monetary relief
Consumer complaint received 2025-11-21 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: SC

Complaint narrative:
XXXX XXXX Account XXXX XXXX Reported Status : Charge Off Dispute Reason : Inaccurate, incomplete, and unverifiable After reviewing my credit report, I found the following issues : The charge-off status appears inaccurate The balance, dates, or status are not consistent with my records The creditor has not provided verification of the information The reporting may be obsolete, incomplete, and unverifiable The account may contain incorrect dates, affecting reporting timeline Under FCRA XXXX ( b ), the credit bureaus must ensure maximum possible accuracy. Therefore, I request the following action : XXXX. Conduct a full reinvestigation of all this charge off entry XXXX. Require the furnisher to provide complete verification XXXX. Delete the account if it cant be verified XXXX. Provide me with an updated written credit report once completed. 

If the reporting creditor can not verify the charge off- including balance, dates, ownership, and status- this information must be removed from mu credit report. 
I enclose a copy of my identification and proof of address for verification purposes. 
Thank you for your immediate attention. Please complete the reinvestigation within the required XXXXday period and provide your results in writing. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 2025-11-21 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: TX

Complaint narrative:
This letter is a formal request to correct my personal information under the Fair Credit Reporting Act. My Experian file contains old and inaccurate information that must be removed to ensure maximum possible accuracy. 
Please DELETE the following incorrect items : Old addresses, including : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Any other address not listed as my true residence Any name variations or incorrect name listings Any outdated personal identity information Please KEEP and update the following as correct : Name : XXXX XXXX Correct Address : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, TX XXXX XXXX : XXXX  SSN : Ending in 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 2025-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I've never had a bank of America debt OR CREDIT CARD .. IM JUST NOW SEEING IT IN MY REPORT AND I WOULD LIKE TO DISPUTE THIS PLEASE

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 2025-11-21 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. ''

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 2025-11-21 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:
I am disputing the following accounts on my credit report. I believe there are inaccuracies and inconsistencies that need to be corrected as per the Fair Credit Reporting Act ( FCRA ). Below are the details of the accounts in question, separated by each bureau. 

Charged Off Accounts XXXX XXXX : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/year>, Balance : {$50000.00} XXXX XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/year>, Balance : {$0.00} Late Payments XXXX XXXX XXXX  : Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-11-21 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: MN

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-21 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: WA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I have XXXX XXXX XXXX account and they are processing American Express charges. 
I am filling complaint regarding American Express mishandling XXXX fraudulent false scam claims from XXXX of my customers and charged back my XXXX XXXX merchant account. Both XXXX XXXX and American Express failed to protect my business, they both failed to investigate the disputes and wrongfully allowed the chargebacks to proceed even though the claims were false and proper clear documentations were provided. 
I demand American Express Merchant to contact XXXX XXXX merchant services to resolve the fraud chargebacks. 
American Express claim # XXXX American Express XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-21 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the Polaris letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed IMMEDIATELY.

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 2025-11-21 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 writing to dispute several inaccurate and incomplete items on my Experian credit file. The following accounts contain errors and must be reinvestigated : XXXX. XXXX XXXX XXXX XXXX {$3700.00} Issue : Incomplete payment history, conflicting dates, and inaccurate high credit reporting. Violates 1681e ( b ). Action : Delete. 
XXXX. XXXX XXXX Auto Charge-Off {$13000.00} Issue : Charge-off amount does not match original high credit ; DOFD inconsistently reported ; missing payment history entries. Action : Delete. 
XXXX XXXX XXXXXXXX XXXX {$190.00} Issue : Missing itemization, incomplete monthly reporting, and incorrect date of last activity. Action : Delete. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$2300.00} Issue : Wrong status codes and missing payment history that violates factual completeness requirements. Action : Delete. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} Issue : Duplicate status, incomplete data fields, and contradictory activity dates. Action : Delete. 
XXXX. XXXX XXXX XXXX {$1300.00} Issue : Reports Open Account Collection with missing payment history and inconsistent past-due amounts across bureaus. Action : Delete. 
XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Payments Issue : Incorrect 3060 day sequence and conflicting dates across bureaus. Action : Correct or delete. 
Please reinvestigate these items and provide me with written results.

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