vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion LLC Re : FCRA Dispute XXXX XXXX XXXX To Whom It May Concern : I am disputing the accuracy of the account reported by XXXX XXXX XXXX on my TransUnion consumer report. The account is being reported as a charge-off. 

Basis of Dispute : - The alleged debt originated in XX/XX/XXXX in the State of Georgia.

- Under Georgia law ( O.C.G.A. 9-3-25 ), the statute of limitations on open accounts is 4 years, and under O.C.G.A. 9-3-24, written contracts are limited to 6 years the XXXX has expired as of XX/XX/XXXX, making the debt time-barred for legal collection. 
- Regardless, the furnisher must report information that is accurate and not misleading under 15 U.S.C. 1681s-2. Reporting a time-barred debt as collectible is inaccurate.

Requested Action : 1. Conduct a full reinvestigation of this account with XXXX XXXX XXXX. 
2. Remove the tradeline so it does not misrepresent the debt as collectible.

3. Provide me with written confirmation of your reinvestigation results within 30 days, as required under 15 U.S.C. 1681i Please be advised that under the Fair Credit Reporting Act ( FCRA ), failure to conduct a reasonable reinvestigation or continued reporting of inaccurate or misleading information may expose TransUnion to liability for actual, statutory, and punitive damages, including attorneys fees. 

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 2025-09-11 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
I got a pre-approved offer in the mail, so i applied. They denied me without reason. Further hurting my credit score. How can they say im pre-approved and then not approve me? Thats false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: NJ

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : My current residential address is XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: PA

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 2025-09-11 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: PA

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 2025-09-11 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:
New Complaint Against Experian Failure to Provide Method of Verification ( MOV ) I am filing this new complaint against Experian regarding their continued violation of the Fair Credit Reporting Act ( FCRA ). This complaint is directly tied to my original CFPB Complaint ID : XXXX. 

In my original complaint, I disputed inaccurate information on my credit report. Experian responded by stating that the disputed accounts and public records were verified. However, Experian failed to provide me with the legally required Method of Verification ( MOV ) under FCRA 611 ( a ) ( 6 ) ( B ) ( iii ).

Experians response did not include : A description of the procedure they used to determine the disputed information was accurate.

The name, address, and telephone number of each furnisher or vendor they contacted.

Any documentation that they relied upon to verify the disputed information.

By failing to provide this information, Experian is in direct violation of : FCRA 611 ( a ) ( 2 ) : Requirement to conduct a reasonable reinvestigation.

FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) : Requirement to provide consumers with the method of verification upon request.

FCRA 607 ( b ) : Requirement to follow reasonable procedures to ensure maximum possible accuracy. 

Experians actions obstruct my rights as a consumer to review and challenge inaccurate reporting. I am requesting that the CFPB require Experian to : Provide the full Method of Verification, including documentation relied upon and contact details of furnishers/vendors.

Delete the disputed information if Experian can not provide this evidence as required by law.

Be held accountable for repeated violations of the FCRA and consumer rights.

Experians refusal to provide the Method of Verification undermines the integrity of the dispute process. I ask that the CFPB intervene to ensure compliance and protect my rights as a consumer.

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 2025-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Amsher Collection Services, Inc.
State: NC

Complaint narrative:
This company is reporting a collection account that is inaccurate and not verifiable. Federal law requires data furnishers to report only complete and correct information, and this account does not meet that standard. The inaccurate reporting is harming my credit profile and preventing me from reaching important financial goals. I request that this account be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: MN

Complaint narrative:
I am filing a complaint regarding unauthorized credit inquiries that appear on my credit report from Equifax. I previously submitted a written dispute on XXXX XXXX ( attached ), which clearly identified the disputed inquiries as fraudulent and requested their removal. It has been over two weeks, and I have received no response or resolution from the bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
bXXXX XXXXI\XXXX XXXX XXXX XXXX XXXX XXXX\XXXX XXXX XXXX\nBank of America\XXXX XXXX XXXX XXXX XXXX\nVia Certified Mail\n\nRE: Request for Refund of Interest Charges\nAccount NumberXXXX XXXX XXXX XXXX XXXX\nTo Whom It May Concern:\n\nI am writing to formally request a refund of the interest charges of XXXX that were applied to my account (ending in XXXX) during the billing cycle of XXXX XXXX XXXX XXXX XXXX XXXX XXXX.\n\nI have reviewed my statement for this period and it clearly shows that no new purchases were made. The entire interest charge of XXXX XXXXs listed under "Interest Charged on Bank Cash Advances."\n\nAccording to the terms of my account, interest is not charged on purchases if the entire "Grace Period Balance" is paid in full by the due date. The interest charged on my statement is for bank cash advances, not for purchases. I have no record of any such transaction.\n\nPlease investigate this matter and provide a full refund of the XXXX interest charge. I look forward to your prompt response.\n\nSincerely,\nXXXX XXXXI\n\nCC: Consumer Financial Protection Bureau\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 2025-09-11 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:
This entry is not valid and unjustly misrepresents my record. I request its immediate correction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 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: OH

Complaint narrative:
Consumer Name : Firstname Lastname Consumer Social Security Number : XXXX Consumer Date of Birth : clients XX/XX/year> Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the credit reporting agency provide the method of verification for items disputed in my recent complaint. Under the Fair Credit Reporting Act ( FCRA ) 611 ( 15 U.S.C. 1681i ), I have the right to know the methods and sources used to verify the disputed information on my credit report. 
Please provide the following within 4 days of receipt of this letter : The source ( s ) of information used to verify the disputed items.

Documentation or evidence supporting the verification.

A detailed explanation of your verification process.

If you are unable to provide this, I request that the items in question be immediately deleted from my credit report, as required under FCRA 611 for unverifiable information. Non-compliance will result in legal action for willful and negligent violations of the FCRA. I have attached a copy of the items claimed to be verified, along with my previous FTC report.

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I AM REQUESTING A FULL CONSUMER FILE DISCLOUSURE, MY PERSONAL INFORMATION INCLUDING MY SOCIAL SECURITY NUMBER HAS BEEN EXPOSED DUE TO A DATA BREACH. AS PER FCRA/FDCPA PROVIDES PROTECTION OF MY PERSONAL INFORMATION. MY CONSUMER RIGHTS TO FAIR AND ACCURATE REPORTING HAS BEEN VIOLATED SOME INCLUDE BUT NOT LIMITED TO ; 15 USC 1692 ( e ) ( 8 ) ( f ) ( d ) ( c ), 15 USC 1681 ( i ) ( 7 ) ( a ) ( E ) ( B ) ( c ) ( n ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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: ID

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-11 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: IN

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

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 2025-09-11 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION IS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, YET DESPITE MONTHS OF DISPUTING THEM AND PROVIDING SUPPORTING DOCUMENTS, INCLUDING AN FTC REPORT, THEY STILL HAVE NOT BEEN REMOVED. THEIR CONTINUED PRESENCE RAISES SERIOUS CONCERNS AS TO WHY THEY REMAIN ON MY REPORT, ESPECIALLY GIVEN THE REQUIREMENTS OF THE FAIR CREDIT REPORTING ACT ( FCRA ) TO MAINTAIN ACCURACY AND COMPLETENESS. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

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 2025-09-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
THIS BANKRUPTCY RECORD IS NOT MINE AND HAS BEEN REPORTED IN ERROR. ITS PRESENCE ON MY CREDIT REPORT IS INACCURATE, MISLEADING, AND HAS CAUSED SIGNIFICANT EMOTIONAL DISTRESS. UNDER 15 U.S. CODE 1681e ( b ) OF THE FAIR CREDIT REPORTING ACT ( FCRA ), CONSUMER REPORTING AGENCIES ARE REQUIRED TO FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION THEY REPORT. I AM FORMALLY REQUESTING THE IMMEDIATE AND PERMANENT REMOVAL OF THIS FRAUDULENT ENTRY FROM MY CREDIT FILE. PROMPT ACTION IS REQUIRED TO RECTIFY THIS VIOLATION. PLEASE REFER TO THE ATTACHED DOCUMENTATION FOR SUPPORTING EVIDENCE.

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 2025-09-11 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:
This correspondence represents my official dispute of the referenced accounts. They were not opened or approved by me, and they appear fraudulent. Kindly remove them and investigate further. Proof is enclosed.

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 2025-09-11 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: NY

Complaint narrative:
I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : My current legal name is XXXX XXXX XXXX I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-11 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 have no connection to the accounts listed and believe they are fraudulent in nature. This serves as my formal request for their removal and for a detailed investigation to be conducted. Supporting records are enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing this complaint regarding ongoing issues with American Express National Bank ( Amex ) concerning account number ending in XXXX. I dispute the current balance of {$18000.00} listed on the statement dated XX/XX/XXXX, for the billing period ending XX/XX/XXXX, as I believe it is incorrect due to potentially unauthorized charges and miscalculated interest. I sent a written request for debt validation on [ insert date of your validation letter, e.g., XX/XX/XXXX ], demanding the original signed credit agreement, complete payment history, chain of title documentation, and an affidavit from a witness with personal knowledge. Instead of providing this, Amex sent me a statement with transaction details, which does not address my request or resolve the dispute. 
Under the Fair Credit Billing Act ( FCBA ), I am entitled to dispute billing errors within 60 days of the statement date, and Amex must investigate and respond within 30 days. Their failure to provide proper validation or address my concerns violates my rights under FCBA and Regulation Z. Additionally, they continue to send monthly statements despite my request to cease collection activity until validation is provided, causing me financial distress and confusion.

I request that the CFPB investigate this matter, compel Amex to provide the requested documentation, correct any billing errors, and cease further collection attempts until this is resolved. I have attached copies of the XX/XX/XXXX, cover letter and statement as evidence.

Company response to consumer: Closed with explanation