vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: TX

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding the continued reporting of fraudulent personal identifiers and addresses on my consumer credit files despite my submission of an FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ) and a direct dispute to all three credit bureaus. 

As a victim of identity theft, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ) [ 15 U.S.C. 1681 ( a ) ( 4 ) ], 605B [ 15 U.S.C. 1681c-2 ], and 611 [ 15 U.S.C. 1681i ], to request the deletion of all inaccurate and unverified personal identifiers. 

Timeline of Events XX/XX/year> Filed FTC Identity Theft Report ( # XXXX ), documenting fraudulent names, addresses, and inquiries. 

XX/XX/year> Sent certified dispute letters to Experian, Equifax, and TransUnion demanding removal of fraudulent identifiers and enclosing my FTC Report, government-issued ID, and proof of address. 

Present Despite legal obligations, the credit bureaus have not confirmed full removal of the fraudulent data, and inaccurate personal identifiers remain on my credit files. 

Fraudulent Information in Dispute Correct Identifiers to Remain : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Identifiers to Delete as Fraudulent : Names : XXXX XXXX XXXX and any other variations not matching XXXX XXXX Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Any unverified phone numbers and employers Legal Basis Under the FCRA : 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to investigate and delete inaccurate or unverifiable information within 30 days. 

605B ( 15 U.S.C. 1681c-2 ) Requires blocking of information resulting from identity theft within 4 business days after receipt of proper documentation.

602 ( A ) ( 15 U.S.C. 1681 ( a ) ( 4 ) ) Mandates fairness, impartiality, and respect for consumer privacy in credit reporting. 

Failure to promptly delete fraudulent identifiers constitutes noncompliance with these federal requirements. 

Personal Impact The continued presence of fraudulent personal identifiers poses a serious risk of : Mixed or merged credit files, leading to inaccurate reporting of debts or delinquencies Reputational harm and denial of future credit opportunities Increased risk of further identity theft or fraudulent activity Supporting Documentation : FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ) Certified dispute letters sent to all three credit bureaus Copy of government-issued ID and proof of address

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I am filing this complaint regarding the continued reporting of fraudulent personal identifiers and addresses on my consumer credit files despite my submission of an FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ) and a direct dispute to all three credit bureaus. 

As a victim of identity theft, I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), specifically 602 ( A ) [ 15 U.S.C. 1681 ( a ) ( 4 ) ], 605B [ 15 U.S.C. 1681c-2 ], and 611 [ 15 U.S.C. 1681i ], to request the deletion of all inaccurate and unverified personal identifiers. 

Timeline of Events XX/XX/year> Filed FTC Identity Theft Report ( # XXXX ), documenting fraudulent names, addresses, and inquiries. 

XX/XX/year> Sent certified dispute letters to Experian, Equifax, and TransUnion demanding removal of fraudulent identifiers and enclosing my FTC Report, government-issued ID, and proof of address. 

Present Despite legal obligations, the credit bureaus have not confirmed full removal of the fraudulent data, and inaccurate personal identifiers remain on my credit files. 

Fraudulent Information in Dispute Correct Identifiers to Remain : Full Legal Name : XXXX XXXX Current Address : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Identifiers to Delete as Fraudulent : Names : XXXX XXXX XXXX and any other variations not matching XXXX XXXX Addresses : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Any unverified phone numbers and employers Legal Basis Under the FCRA : 611 ( 15 U.S.C. 1681i ) Requires consumer reporting agencies to investigate and delete inaccurate or unverifiable information within 30 days. 

605B ( 15 U.S.C. 1681c-2 ) Requires blocking of information resulting from identity theft within 4 business days after receipt of proper documentation.

602 ( A ) ( 15 U.S.C. 1681 ( a ) ( 4 ) ) Mandates fairness, impartiality, and respect for consumer privacy in credit reporting. 

Failure to promptly delete fraudulent identifiers constitutes noncompliance with these federal requirements. 

Personal Impact The continued presence of fraudulent personal identifiers poses a serious risk of : Mixed or merged credit files, leading to inaccurate reporting of debts or delinquencies Reputational harm and denial of future credit opportunities Increased risk of further identity theft or fraudulent activity Supporting Documentation : FTC Identity Theft Report ( # XXXX, dated XX/XX/year> ) Certified dispute letters sent to all three credit bureaus Copy of government-issued ID and proof of address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NY

Complaint narrative:
On XX/XX/year>, I gave a payment to XXXX XXXX XXXX for construction, that company had overwhelming times and did not come across and never did the job. I disputed with Amex on XX/XX/XXXX after I couldn't resolve it with the company. I asked Amex to dispute it. Amex came back declining for a reason I don't understand, something that this card was used between friends, and we need to resolve this ourselves... I used Amex in confidence cause I know they will secure me, but they don't wan na refund me the money

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-07-29 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: TN

Complaint narrative:
I am writing to dispute the inaccurate reporting of late payments on the account referenced in my credit report. This is not only factually incorrect, but it also constitutes a billing error under 15 U.S. Code 1666b, which clearly states that creditors must allow a reasonable period for payment and can not penalize a consumer for late payments when none actually occurred. 

Let me be completely clear : this account has always been paid on time and as agreed. I have never missed a payment on it, and I take great pride in maintaining a solid payment history. The appearance of late payments is flat-out wrong, and it is deeply frustrating to see my credit standing damaged over something I know for a fact is a reporting mistake.

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 2025-07-29 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: TN

Complaint narrative:
I'm reaching out because there is an account showing up on my credit report that I have absolutely no knowledge of. I did not open this account, Ive never been associated with it, and I have no idea why its been included in my file. This appears to be a case of mixed credit data, and I want to make it clear that this account does not belong to me in any way, shape, or form. 

I need this addressed immediately. 

Whether its the result of human error or some kind of system mix-up, the bottom line is this : this is not my account, and it should not be reported under my name or credit file. The presence of this false information is harming my credit and is completely unjustified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: KY

Complaint narrative:
I paid a collection account after reaching a pay-for-delete agreement with the collection agency. The agency confirmed that the account would be deleted from all three credit bureaus upon payment. 

While XXXX  and XXXX  removed the account as agreed, Experian failed to do so. I filed a dispute with Experian and uploaded documentation showing that the debt had been settled under a pay-for-delete agreement. 

Experian closed my dispute in under 24 hours without conducting a reasonable investigation, which violates my rights under the Fair Credit Reporting Act ( FCRA ). A proper investigation requires contacting the data furnisher and reviewing the evidence I provided. There was no opportunity for that in less than one business day. 

Why I'm filing this complaint : Experian is continuing to report an account that should have been deleted They failed to follow FCRA guidelines requiring a full and fair investigation I was misled into believing the account would be removed, and they are harming my credit with inaccurate data

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I did not authorize this inquiry : XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX  Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i I did not authorize this inquiry : XXXX XXXX Date Opened : XX/XX/XXXX Please remove it from my credit report under 15 USC 1681i

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 2025-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Charleston Area Medical Center
State: WV

Complaint narrative:
My credit report is showing 3 accounts in collection through this company totaling around {$10000.00}. When I first spoke to them 2 years ago I requested a debt validation letter for all the accounts because I don't know where this debt came from. I have yet to receive the information requested and the company calls me at least 5 times a day during work hours. I don't understand how anyone can afford {$10000.00} in medical bills or why these companies would rather harass someone then provide them with requested information. I have disputed these collections for inaccuracies because I can't even verify the debt is mine without a debt validation letter. I'm tired of the phone calls and I just want these collections removed from my report so I can get approved for a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3800.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XXXX, Balance : $ XX/XX/XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX, Balance : {>= $1,000,000}

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 2025-07-29 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting. 

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt. 
2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA. 

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by 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 non-monetary relief
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
" I was very surprised and disappointed to discover incomplete and inaccurate information in my annual report. There are inconsistencies, incomplete entries, and errors on the report that must be addressed. Whether the inaccuracies originate from unreliable furnishers or reporting errors on your end, I ask that you and the furnishers handle this properly. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-29 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: TN

Complaint narrative:
I disputed multiple inaccurate and unverifiable accounts on my Equifax credit report. I requested a proper reinvestigation under the Fair Credit Reporting Act ( FCRA ), but Equifax failed to conduct a reasonable investigation. They continue to report these accounts even though the debt collectors have not provided any proof or proper validation. Equifax is in violation of FCRA 1681i and 1681s-2 ( b ), as they are required to investigate thoroughly, not just rely on automated responses or verbal confirmation. This was clearly established in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now suffering financial harm and emotional stress due to their negligence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 ask that you revisit the reported late payment, which appears out of character with my payment record. Please take appropriate action.

Company response to consumer: Closed with non-monetary relief